08-13-2008 01:04 PM
08-13-2008 01:29 PM
FICO will not know this, and it will not affect your score. FICO only knows the reported balance in a given month. What you stated is exactly the best way to handle your cards for maximum FICO purposes.
If i use all my credit cards and PIF before the statement cuts except leave a small balance on 1 card, does FICO know this and/or does it matter for my score?
Also is utilization always rounded up?(I.e. 6.45% would be considered 7%?)