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@Anonymous wrote:Thank you. I have a lot to learn.
I have two cards both Capital One $750 limit ending balance of $150 and the other $400 Limit ending balalnce of $341.00
Both are now paid down to zero but when my report is pulled again by the underwriter will they see I now have zero balalnces or will it be the ending balance?
For maximum FICO score,let one of those two cards report as $0 and the other less <9% ( I typically shoot for 5%).
You are getting hit FICO score-wise for having more than one card report and also for having one almost maxed out.
Having them report as above should EASILY help you gather the points you need/want. (based on experience, I would guesstimate at least a 10-20 point gain)