There must be activity reported on an account at least once every 4 mos or so to keep ot actively figuring into your FICO score. Tha doesn't mean you have to purchase, but as long as your creditor is reporting your balance monthly reflecting your payment, it should remain active. There are other factors that will change your FICO score. No matter whether or not you use the cards, your credit history will continue to age. I do recommend using zero balance cards at least once a month then PIF to keep them actively reporting. Just not all in the same month
HTH
As far as utilization although 40% is average, lower utilization reflects more positively. 1-10% seems to be optimal but lessthan 30 is good. I still get the balances too high messages even though overall my utilization (due to a card not yet reporting PIF from maxed out) is 34%
Message Edited by Brammy on
04-02-2007 08:10 PM