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If the one on bankrate, the it's completely useless. the information provided by that tool never lines up with results I have experienced. My understanding is that the only estimator that works well is the one in myfico.com.

As to your question, you are looking at completely different variables:

1. Pay off balances --- that's going to help utilization

2. Pay all payments on time for a year - that affects credit age, time since most recent new account, age of all derogatories, etc

#2 can very frequently weigh more than #1 - just depends upon the credit profile.

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