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Trying to maximize my score in the next few weeks-I have 2 cap one cards, VS and Express. Both store cards are at ZERO. One cap one is at about 50% and one is at about 90%. My plan was to pay the one at 50% down to zero and then start working on the higher balance. Or would it be better to start paying down the higher balance card and leave the one at 50% at about 10%..HELP PLEASE!!
TIA!!
I've heard......that there is a benefit to being under 50% and then again under 30% - Me - if I was trying to Max score quickly - would send small amount to the one at 50% just to get it under that threshhold - or maybe to 40% and then get that one that is at 90% paid under 50% - FAST. That should get you a bump. Then continue to pay each down getting one CapOne down to 0 and the other to under 10%....... I don't know what the actual balances are, but that is what I would do..since ideally you only want ONE reporting at less than 10%
@savings4tomorrow wrote:Trying to maximize my score in the next few weeks-I have 2 cap one cards, VS and Express. Both store cards are at ZERO. One cap one is at about 50% and one is at about 90%. My plan was to pay the one at 50% down to zero and then start working on the higher balance. Or would it be better to start paying down the higher balance card and leave the one at 50% at about 10%..HELP PLEASE!!
TIA!!
Pay the 50% down to below 30%, then pay as much as you can on the 90% card.