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The optimal configuration to maximize your FICO is 1% reporting on 1 card and 0 on everything else. There's not much point trying to do this every single month unless you're planning to app.
Some banks require at least a $2 balance to report. YMMV.
@rlx01 wrote:The optimal configuration to maximize your FICO is 1% reporting on 1 card and 0 on everything else. There's not much point trying to do this every single month unless you're planning to app.
Some banks require at least a $2 balance to report. YMMV.
Quoted for truth
2% may be better, but makes a minimal difference anyway.