Looking at my CreditKarma report, it shows the best utilization to be in the 1-20% range. I've read 1-9% to be the best for awhile so that's what I've been aiming for. I'll be there the beginning of next week so I'd like to see what it does to my scores. Paid enough to have a total uti of 8.6%. That comes from one card reporting and it's at 28% utl. Last month I was close to 40% total.
Come on 700... show yourself to Daddy!!! 