<prompt> Human: My credit card utilization has been at around 97 for the last two years. This put my score at 675 Experian. 3 days ago I paid my debts down significantly, and recieved a 10 CLI, and my utilization sits at 36.I thought this would make my score skyrocket. I attempted to get a car loan yesterday, and was denied. To my horror, the loan listed my score as an absymal 617. How is this possible? I thought I was doing everything properly to raise my scoreIs there a delay in updating the score? The loan denial e-letter was dated as 8818.  <response>: Your utilization reports based on statement balance, so it wont update until a new statement is issued. Also, the lender for your auto loan will likely be using a different scoring model than whatever youre checking for yourself. Your FICO score is a good score to check for a general ballpark idea of your score, but levers use different algorithms, and the algorithms for auto loans and mortgages specifically tend to be very different from those used for credit cards, which is more what FICO 8 is geared towards 