Wanted to post these data points for anyone who's interested.
I was checking over some of my old FICO score updates.
when my util ratio went from 45% to 100%, I lost 35 points.
The next month I brought it down from 100% to 8%, which was a point gain of 99 points.
this is on a profile with the following data points
only had 1 card at that time
AAOA-4 yrs
AoOA-7 years
1 missed payment 30 day that was 3 years old at the time
