Regular Contributor
Posts: 110
Registered: ‎09-10-2012

How to get the best FICO score ? Advice

I have 4 credit cards

3 regular and 1 amex charge card

i want to buy next month a car and I want to maximize my FICO score

i was told that the best is to have under 9% UTI and have only 1 card report a balance


usually I like to keep one of my 3 regular cards report a balance and have my charge card report 0 because it doesn't count towards UTI

this month for some reason I forgot oti pay off my charge card before the statement cutoff date so I have a balance on it


know my question is should I pay report My 3 other cards as 0 ? This will get me to 0% UTI


Or do I keep 1 with a balance and then I will have 2 cards report a balance (1 revolving card and 1 charge card) ?

Starting Score: EX 734 TU 749
Current Score: EX 734 TU 749
Goal Score: EX 766 TU 770

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Posts: 3,270
Registered: ‎10-19-2012

Re: How to get the best FICO score ? Advice

I think the magic utlization ratio is 2%. Hit that while keeping the balance of all but one cards at zero.

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