Per-card utilization matters, not just the total
Overall utilization can look healthy while one maxed card quietly drags the score.
Scoring models look at aggregate revolving utilization and at each card individually. Three cards with $10,000 in total limits and $2,000 in total balances is 20% overall — but if all $2,000 sits on a single $2,000 card, that card is at 100% and the model notices.
The practical move is spreading balances or paying down the highest-utilization card first, even when the total stays the same. Utilization has no memory, so the change shows up as soon as the new balance reports.
The rest of this is inside the portal
The step-by-step tactics, exact wording, and escalation sequence live in your Fix My Reports workspace, where they're applied to your own report items. Start with a $1 trial, then $50/month — cancel anytime.