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If all of your cards are reporting at $0, you will get a substantial scoring penalty. Best is to have most of your cards reporting $0 but with one card reporting a small amount, like $10-20.
I kept my balances at around $10-20 a month, have one collection left, and my scores jumped by nearly 30 points a piece.We just closed on our house today and got the lowest rate offered at 3.75%.
THANK YOU ALL SO MUCH FOR YOUR HELP!
Fantastic! What a great accomplishment!
