Originally Posted by joe_miami

The problem is that your definition of "negative" is simply incorrect. Utilization under 20% isn't at all a "negative," and even if the OP had a mortgage and/or car loan on the reports, that would only provide a ~30-point FICO bump, which would bring him to the 760s. That's still low for someone with a ~10-year credit history and no delinquencies.

This idea that utilization should be 1% to 3% is a myth. There's little point in having credit cards if people have to rush to pay them before the statement even cuts for fear of a "high utilization" shutdown at less than 20% of available credit. If banks actually operated like this, they would be more conservative with credit lines in the first place.

The OP said he's an AU on someone else's card. Maybe that person is maxing out the credit limit? If so, that could cause a FICO drop.