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Maximize my UTI to get the best score???

New Contributor

Maximize my UTI to get the best score???

I have 4 open and one closed account (Salute Visa closed my card, but I think they closed everyones account) I'm going to pay them down this month and I was wondering if this would be the best plan to maximize my scores...


These are how I will have my accounts reporting

First premier- balance $0 limit $200

First premier- balance $0 limit $300

HSBC- balance $16 limit $420

HSBC- balance $7 limit $300

Salute- balance $0 limit $600 (this account is closed and I will be pif the balance. I'm not sure how it plays in to my UTI)

Should I have the first premier accounts report a small balance? What will give me the best UTI for my credit scores?
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Established Contributor

Re: Maximize my UTI to get the best score???

If you have one account reporting a balance, then you will be fine. It hurts your scores to have too many accounts with balances.
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