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Which Is Better - PIF Or Almost PIF?

Established Contributor

Re: Which Is Better - PIF Or Almost PIF?

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.

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Re: Which Is Better - PIF Or Almost PIF?


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 Smiley Very Happy

 

2% may be better, but makes a minimal difference anyway. Smiley Happy

 

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