lookinside, welcome to the forums!
I split off your post to form its own thread here on the Credit Cards board - you'll get more responses that way.
New thread title: Best use of cc's to max scores & minimize interest payment?
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.