@EW800 wrote:
@masscredit wrote:
I was going to try the opposite end this month and let all of my cards report a balance to see what happens. I just can't do it. I can't bring myself to do it.I am right there with you! I have really thought about doing that, out of morbid curiosity, however after working so hard the last two years to rebuild, I cannot being myself to do it! Even though I know it should immediately recover when I go back down to just one account showing a balance, I cannot bring myself to doing it.
masscredit, you were so close to greatness 
EW, you need to understand the real driver of your impressive increase in score over the last two years. It is not that you only "allow 1 card to report $10" this month. It is that, in the act of obsessing over getting "all cards to report zero except for a small balance on one" over the course of two years, month after month, you have recorded two+ years of on-time payments. It's that long string of absolutely no lates that is driving your score higher. The $10 per month thing is only noise. Favorable noise, but small noise nonetheless.
If you allow small balances to report on more cards and allow them to report consistently the score will continue to increase and you will be just about as well off FICO-score wise.
