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Joesh wrote:

So does reporting 0% utilization actually help your score? I thought the goal was to report between a small nonzero amount (like 5%)

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Not really; you're right, reporting a small nonzero amount is best! I'm just discussing having an overall utilization with just one card reporting, instead of all my cards reporting balances.

EQ FICO 730 Credit Karma (TU) 5/6/13 763 Transrisk 5/14/13 849/990 CreditSesame (EX) 5/8/13 779 Credit.com (EX) 5/7/13 758/900 FICO Estimate 760 Vantage Estimate 832/990