Toyota lease approval

[Johnoutofdebt]

just got approved on my new 24 month lease with toyota !!!! strange how they can bump me a tier when I was ready to walk out....

2/24/2014 fico 703

 I'm a bit aggravated I've paid off all revolving TL and can't get score to budge😂

[CAnNY]

Congrats!!

You probably know this but you shouldn't pay all revolving TL in full. One should report a bal of 9% for maximum scoring. Also, if they are paid off have they each updated yet to the bureaus?

[Johnoutofdebt]

they all report zero balances, I don't like carrying a balance.. What will having 9% do for me? in my younger days I screwed up badly so I have this OCD about it....

[Remember0]

So you don't use your cards at all? You should at least buy something with each one once every 3-6 months and PIF at least. Otherwise it'll be closed for inactivity.

Also you need not carry a balance. Charge any amount > $1 (no need for 9% imo), let it report on your statement, then pay it off and repeat so it always reports this balance. FICO is maximized when this is done on ONE card only.