@Anonymous wrote:I have a quick question. I know Idealy is to keep your balance from 1-9% and my question to you guys so would my score drop if my balance increase but still within my 9% range?
For sample Last month I left my balance of $85 that is 7% of my credit limit. If this month I leave me balance at $95 that is 8% would that cause my score to drop?
Also if some month I leave my balance 1% and next following month I leave my balance to 8% would that effect my score?
Or as long as I stay within my 9%< range im good?
Its different for everyone, some will get a score move some may not, you will have to experiment with the percentages to find which gives you the best Fico.
2% is the optimal uitilization. If you deviate from this, your score may change or not depending on the magnitude of the change and the rest of your credit profile.
OP, it sounds like you have a limited number of cards, a limited number of months of payments? What are your current scores from MyFICO?
If you are just starting out with a limited number of months of credit history, optimizing now is not going to be noticeable, because you will pick up points on a regular basis just for continuing to make on time payments, not missing any payments.
There's nothing wrong with keeping the reporting amount between $10 and $95, it just seems a little OCD to watch for FICO score changes at that level of open amounts 
