Utilization and score increase

[Anonymous]

Hello. My utilization is at 90% owing around 7k . I just paid enough on all my cards to be below 30% my score is 605, should I expect to see a large increase once this is reported.

[Anonymous]

---

@Anonymous wrote:
Hello. My utilization is at 90% owing around 7k . I just paid enough on all my cards to be below 30% my score is 605, should I expect to see a large increase once this is reported.

---

If you're talking FICO scores and overall utilization, yes a drop from 90% overall utilization to below 30% overall utilization will result in a significant score increase.  You could be looking at 50-60 points.

[SouthJamaica]

---

@Anonymous wrote:
Hello. My utilization is at 90% owing around 7k . I just paid enough on all my cards to be below 30% my score is 605, should I expect to see a large increase once this is reported.

---

Yes.

[pinkandgrey]

You’re going from maxed out to reasonably low UTI. You should get a nice boost. Congrats on paying things down!!

[Anonymous]

Absolutely! Please report back your point gain, and if possible, to contribute, is your file clean? If so, AooA, AoYA and # of accounts, please, and any open/closed loans on record?

My guess is a little lower, but it's still gonna be big! But let me ask you a Q. You said you paid <30%, and I'm assuming aggregate of course, what is the highest individual card utilization you still have?