Originally Posted by
invisible
3%
Credit card balance.
I wouldn't worry about it. As long as you keep utilization on each card under 10% you are looking good. And 16 points isn't going to make any meaningful difference if you were to pay off the balance.
Plus this is a Vantage score from the Chase portal which has only slight resemblance to an actual FICO score most lenders would use.
You are going to see some variation even with FICO scores depending on which flavor of score they use -- e.g. my FICO score on Citi is 830 (FICO 8 Bankcard), on Discover is 802 (FICO 8), and on Wells Fargo is 837 (FICO 9) while Chase shows a Vantage score of 821. That's a 35 point variation between different sites on the same base information.