Valued Contributor
Posts: 1,232
Registered: ‎03-22-2012
Re: What should I do with my 3 credit cards?

You need to use all your cards every month. The amount you use them doesn't matter too much. The way you pay them matters a lot!


You need to pay them online a few days BEFORE the payment due date. When you sign up at Walmart for electronic billing you will get a TU08 FICO score for free.


You want to have 1 card report less than 9% of ALL your credit cards' credit limits and all the other cards report zero. So for you the number would be $500+$300+$200=$1000 $1000 x .09 = $90


1 card reports less than $90 each month and all the other cards report zero.

Starting Score: EQ 658 6/18/12
Current Score: EQ 705 6/21/15 - EX 783 6/21/15 - TU 707 6/21/15
Goal Score: EQ 720+
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