I recieved alert from FICO that my Experian had dropped 2 points 768 -766 ut 3% to 1% Balance $336 to 100 . CL on all cards is $70,000 plus no inquires in over 6 months I pay off All Cards 9 every month total ut less than 1 % I use my Cards a lot 3 - 5 K each month wahat to do