What would give a bigger credit score boost?

[Anonymous]

Would it give me a better credit card boost to .....

credit card limit 2000  balance now is 1100

closes 12/7/2016

would it be better to pay down to like 30% this month

and then pay the remainder next month

OR pay it off in full now?

[Anonymous]

If you can I would pay it in full!! Carrying debt should never be necessary to improve a FICO. 

[Anonymous]

Pay in full. Your score will go up over time, provided you don't get any negative marks. But the real issue is making sure you don't pay unnecessary interest. 

[SouthJamaica]

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@Anonymous wrote:

Would it give me a better credit card boost to .....

credit card limit 2000  balance now is 1100

closes 12/7/2016

would it be better to pay down to like 30% this month

and then pay the remainder next month

OR pay it off in full now?

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If you have other cards with balances, pay it off in full now.

If you have other cards with zero balances, pay it down to a very small balance but not zero.

If you have no other cards, and this is the only credit card you have, your choices are (a) paying it down to zero, or (b) paying it down to a very small balance but not zero; I don't know which would give you a better score.

[Anonymous]

The OP needs to know that utilization has no memory and is based on that exact moment in time.  So if you pay $500 this month then $500 the next month, your score next month will be exactly the same as if you paid the $1000 in one chunk.  All other things being equal, of course.