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Regular Contributor
rlx01
Posts: 235
Registered: ‎02-10-2013
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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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HiLine
Posts: 2,870
Registered: ‎10-19-2012
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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 :smileyvery-happy:

 

2% may be better, but makes a minimal difference anyway. :smileyhappy:

 


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