I'll make this short and sweet. Currently, my installment utilization is about 104% percent. They were college loans that I just started repaying on about two years ago. My revolving credit util is 1% while my total utilization is 82%. Within the next month my total utilization should drop below 80% to 77 or so. Will that give me any boost? If so, any guesses on approx. number of points? I am trying to get my scores up a bit more in preparation for an auto loan in the next few months.
