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

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: 22,052
Registered: ‎10-23-2007

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.
Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
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Moderator Emerita
Posts: 3,091
Registered: ‎08-09-2008

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

Hi Pushingfor 700! :smileyhappy:


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?


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

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

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

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