Thanks for the advice Marine. I just wasn't sure if there was a 1 size fits all type of thing because I had heard both. I'd heard that its better to PIF, but then I've also heard to carry a less than 10% balance on your cards for a higher score.
It comes down to what works best for you and that can only be determined by trial and error IMO.
I just don't believe there is a one size fits all approach.
But I've been wrong before.
From a BK years ago to: 9/09 EX pulled by lender 802 3/10 EQ- 800 6/10 TU -772
The FICO scoring system is statistical and the algorithm is unknown. So small tweaks in your report can be hard to predict, so your mileage may vary. If you are worried about every last point then try what works for the majority here.