<prompt> Human: when should I see an improvement on my current credit score of 617 - 1 delinquent account - joint auto, post divorce we both stopped making paying ex was awarded the vehicle, currently going thru repocredit usage is 7456 out of 42,300 utilization of 18deducting what I just paid, brings the current usage to 5456 out of 42,300  <response>: The next time your lender or lenders report your balances to the credit bureaus, which is usually done after each statement period. That said, going from 18 utilization to 12 utilization may not have a huge impact on your score. 