HELP HELP HELP

[fused]

loloswims:

In FICO scoring there are two types of revolving calculations: one looks at the utilization on each of your revolving accounts (sometimes referred as indiv util), and the other looks at your total utilization on all of your cards (sometimes referred as overall or cumulative util). Does one carry more weight than the other...who knows, but FICO will not reveal this. I have always suspected overall util carries a bit more weight but I cannot prove it.

Before I can give you a specific plan which will help maximize your scores, I need to know how much cash you have on hand.

[Anonymous]

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fused wrote:

loloswims:

In FICO scoring there are two types of revolving calculations: one looks at the utilization on each of your revolving accounts (sometimes referred as indiv util), and the other looks at your total utilization on all of your cards (sometimes referred as overall or cumulative util). Does one carry more weight than the other...who knows, but FICO will not reveal this. I have always suspected overall util carries a bit more weight but I cannot prove it.

Before I can give you a specific plan which will help maximize your scores, I need to know how much cash you have on hand.

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...and I'll need your address!

[Anonymous]

erchambers and fused are correct!

Individual utilization does count, not just overall utilization.