<prompt> Human: My credit score dropped 43 pts in one month because my usage went from 1 to 10. Will it go back up just as fast? I thought as long as we keep utilization under 20 we are doing well. To add, I used 90 of one of my credit cards. Does that matter.  <response>: Utilization has no history. Each time your creditors report your usage it overwrites the last time. Pay the debt and everything goes back to how it was last month. Dont worry about 43 points unless you are planning a car or home purchase and youre near a borderline between two interest rates. 