Revolving credit pay down for better score

[Anonymous]

Fascinating. Capital one apparently has one of the credit score simulators on their site. Not for sure how accurate it is. It basically tells me if I want to get to 686 on my FICO I should pay  $4K on my credit cards. $3500 doesn't seem to move it all. In addition to the $4K if I get a credit line increase on those two higher limit cards it hits 700. 

[IllinoisNative]

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@Anonymous wrote:

Would a credit line increase improve a score? Such as a increase bump of the Capital 1 cards? 

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I would pay your Cap One balances down before asking for a cli.   Credit Card companies do not what to give a cli if you're already considered maxed out on your cards...especially if your monthly payments are low. They only want to give credit to people who don't need it.