02-04-2013 05:15 PM
02-04-2013 09:03 PM
02-05-2013 12:07 PM
The quickest way to gain points is to bring down your utilitzation.
Have all but one card report a 0 balance and one report at 9% or below. YMMV so you may try having 2 or 3 report 0 and the rest report at 9% or below. You might have to experiment to see where your best results are.
FICO doesn't like to see all revolving at a 0 balance. And also, FICO has no memory. It only sees what is on your current report.