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No. of Recommendations: 4
"if one of the reasons given in your credit score report is "utilization of available credit too high..."

AJ - Yes, this is exactly what my credit score report says. I didn't provide that info earlier, but that was why I was asking about opening or closing the cards.

I would suggest waiting to look at your credit report until after the credit cards show a $0 balance to see what the reasons are. If you have $0 in balances reported on all of your credit cards, it's much less likely that one of the reasons will still be "utilization of available credit is too high"

I had not heard of the credit score simulators. That's fascinating, and my search for those.

Try and I think there used to be one on but I'm not sure it's still there any longer.

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