Credit Card Center Advertiser Disclosure

Established Member
Posts: 13
Registered: ‎01-25-2008
0 Kudos

Which to pay to Increase score????

Hello all, I am trying to get my score back up. And need to know what would be the best way to do it.


 Here are my cc balances. 



Mcys- Bal-$530/ CL-$1,100

Khls - Bal-$143/CL-$300

Tgt- Bal-$225/CL-$500

Httr- Bal-$102/CL-$500




NFCU- Bal-$4559/CL-$5,000


Would it be best to bring the utilization down to 10% for all the cards except the NFCU. 

Our should I put all money toward paying down the NFCU card. 

I figured if I paid all the others down then I would only have 1 cc bill. 

What would be the best situaiton to see an increase in my credit score?


Thanks for your help. 

Epic Contributor
Posts: 29,453
Registered: ‎10-23-2007
0 Kudos

Re: Which to pay to Increase score????

If all your accounts you have, have balances, I think you would see the most score boost by paying as many off as possible.
Moderator Emerita
Posts: 3,090
Registered: ‎08-09-2008
0 Kudos

Re: Which to pay to Increase score????

Hi Pushingfor 700! Smiley Happy


If high utilization is the only thing holding your scores down, then getting your utilization down to somewhere between 1 and 9%, with less than half of your cards reporting a balance (ideally only one) should give you a significant boost. Currently, your overall utilization is at 75.69%. Three of those cards are maxed out at over 90%-- that's hurting you a LOT.


How much money do you have available to reduce these balances? Do you have a lump sum that your were planning to use in your debt reduction? Are you inquiring as to how best to snowball the debt?


Friendly, Supportive & Respectful

Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources

"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Established Member
Posts: 13
Registered: ‎01-25-2008
0 Kudos

Re: Which to pay to Increase score????

I have about $2200 right now. And that  would cover the all the cards with the exception of the NFCU card.
Posts: 89
Registered: ‎06-29-2009
0 Kudos

Re: Which to pay to Increase score????

Personally... I would pay off all the other cards and requet CLI's from all of them especially NFCU to 10/15k
7/16/09 - EQ 684, TU 691

7/25/09 - EQ 682 (-2) 7th INQ did it.
8/21/09 - EQ 684 Bounced back from the Inq even though none expired. There was a new credit account opened on the same day. *shrug*
10/23/09 - EQ 691

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.