@hombre14 wrote:
My current util pretty much is Scenario A, that I laid out.
And to answer a previous question- my "true" FICO from Discover is 753 as of Jan 13; so in my case at least, the "FAKO's" from CreditKarma appear to be very close to my actual FICO.
If you're at scenario A, your utilization is great. I would pay off credit cards to zero, one at a time. Don't shift the balances, just use the snowball method to pay off lowest balances first. Each time you pay off a card you'll get a boost, but the boost may be negated if you increase utilization on one card to do it. Remember utilization is per card and overall.
Original Mortgage maturity Sept 2044; Refi maturity Dec 2030
Starting Score: EX 751 EQ 720 TU 737 on 4/9/14
Current Score: EX 849 EQ 835 TU 843
Goal Score: 850Take the myFICO Fitness Challenge
