My apologies, I forget there are so many sites out there with similar names. The simulator I used was on Credit Check Total - Fico 8.
The CK VS simulator tells me I will lose 30 points if I lower Util. I am at 7%. Hence the CCT account.
A cool data point would be to run util between 9.1 - 9.4. I imagine Credit Guy in Dixie is right but it cant hurt just to be 100% if you are able
