<prompt> Human: I have to major credit cards. One is a capitol one platinum and the other is a best buy master card. I maxed out both. Im not proud of it but i had to. My limit on the best buy card is 500. My limit on the capitol one card is 720. I can pay both of them off no problem within 4 months. My credit was 650 now that theyre maxed out it dropped to 568. Im assuming it dropped because of that. My question is if i can pay them both back fast will my credit build back up better than i originally had? Im going to buy a car in the spring so im just concerned with this. thank you  <response>: It dropped because your utilization maxed out.Your score will return to normal after you drop your utilization. 