Your report also shows your most recent credit activity. (financialdemics.com)
The importance of recent credit activity in scoring comes from research showing that not only is low utilization an indicator of lower risk, but maintaining low utilization while continuing to use credit responsibly — as opposed to paying off debt and putting the cards away — can be an indicator of even lower future risk and lead to a slightly higher score. (speakingofcredit.com)
The repercussions also vary based on your other recent credit activity (did you recently miss a payment or max out a credit card?) (realtor.com)