Credit utilization factors

[AnaMKMK]

Hey all - what's better to do... lets say you have 3 credit cards, same interest rates, and each has utilization at about 70%. Is it better to pay down all cards to under 30% or better to knock one to 0% then move to the next one?

Does full credit utilization count towards score, or individual credit card balances?

Thanks!

[llecs]

FICO looks at both overall util and individual util. In that scenario, I would pay one to $0. FICO likes to see $0 balances on more than half of your CCs. Paying one to $0 is a positive step in that direction.

[AnaMKMK]

Thanks!