No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I'm working on getting my FICO to 750 before applying for a mortgage so I can get the best rate and also paying down credit card debt (which I know they coincide). To improve my FICO score, is it best to pay down EACH card to 10% or lower or is it calculated overall? Does a mortgage lender look at it from both angles in addition to DTI or do they only care about DTI?
I have 3 cards that on average 40% utilization amongst those 3, but overall I have 23% utilization.
you want all cards reporting under 9% utilization for best score. Ideally you would pay them all off except1 and leave a small balance on just 1 or 2.
Lender only cares about DTI as far as approval goes and credit card balances.