I have a Orchard card with a $300 limit and a Capital One card with a $200 limit. Every month I pay the Cap 1 card to a zero balance and Orchard to a $20 balance before the statement closes. My question is by maxing my cards out monthly even though I pay them down is that hurting my fico?
Starting Score: EQ = 505; TU = 499; EX =476(1/19/12)
Current Score: EQ = 580; TU = 562; EX =519(3/24/12)
EQ =595; TU = 565; EX =???(5/1/12)
Goal Score: 700
