Valued Contributor
debtisgood
Posts: 1,126
Registered: ‎03-25-2008
Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list
Pamela,
 
Normally you want 1 card to show a balance, even if its 15 dollars. This simply means PIF after the statement date but before interest charges.
 
You are in beautiful shape with those accounts. The one that might be lowering your score is the 16,400 one. Though the 14% on just accounts with balances doesn't hurt, you should get a boost when your total util is under 5% and the accounts reporting balances are at that level too. You aren't losing very many points right now but you could gain 5-10.