conversation: User (mycrystalcity): "Hey everyone. \n\nI've got a budget, and I'm paying down my cards/using them sparingly. My utilization is still high (60%) on most of my cards, so I know that's a negative factor - but I've had one late payment on one card five years ago. I have never been late on anything else, ever. Nothing's ever been to collections and I have no public records, etc. Nothing is over limit, and I'm making progress paying it down. \n\nMy credit scores are showing to be around a 600-615 depending on the bureau. However, my score just keeps at the same level no matter what I do. I have six cards at the moment - all under $1000 limit except for one with an $8000 limit. They're all at 60%/half or lower. \n\nMy question is - at what point should I start seeing results? I'm a little confused how someone like myself with no bad marks can have such a low score, especially since I make more than enough to cover my debts ($90k/yr). Should I fight to get that one late payment from 5 years ago off my credit report? \n\nThanks!"
  Self: "Even though you recognize that 60% is a bit high, it sounds like you are underestimating the impact it has on your credit score. I doubt it's the late payment from 5 years ago.  \n\nEdit: To be more specific, aim to get below 20%/ check out the [wiki on credit building](https://www.reddit.com/r/personalfinance/wiki/credit_building)."
  User (mycrystalcity): "I am underestimating it - I'll read up more on it. Thanks!"
  