Wife used card bumped it to 76% not knowing...

[Anonymous]

My wife used a credit card by misake a couple months ago using it's utlization at 77%. The limit is $2,500 a small credit line. With the balance being $1,925.  Here is what I just did. I paid $1,250 on the card. Blance will now be $675.

Will this bump the credit score back up? If so, a ballpark number of how many points in the jump? I noticed that my score dropped and this is what triggered me to check things out.

Any how most appreciated!

[Anonymous]

No way to predict it without knowing balances and lines of all your other accounts, plus any derogs. There are too many variables to make a guess.

[AverageJoesCredit]

If you want head over to fico scoring. There are some gurus who might help but unless you are applying for a house or car i wouldnt sweat it, utilization has no memory and you'll be ok. Score should bounce back

[AllZero]

Remember these thresholds: 8.9%, 28.9%, 48.9%, 68.9%, 88.9%

Per threshold crossed:
+- 5 points for individual
+- 10-15 points for aggregate

Not knowing the complete picture, I'll gander a guess. You'll gain back at least 5 points but no more than 100 points. 😉

[Anonymous]

I have no negative credit all in good standing. Worst case I just paid down the balance and put the card up. I'll update if the score bumps up a few points!  I have far to many credit cards and most paid off thank goodness.

[AllZero]

Good to hear / read. Whatever points lost will be regained once utilization returns to prior or better.

We'll await your outcome.