Frequent Contributor
Posts: 360
Registered: ‎02-20-2008
2% or 9%
[ Edited ]

I hate to beat a dead horse since i know this comes up once a week but i'm looking for fresh opinions on my situation.  Smiley Happy


Just one CC and i'm looking ot maximize my score.  I'm in a derog bucket (PR).  Last cycle I was at 85% utilization.  Right now I'm at 2% but I'm thinking of charging up to 9% before I cycle next week.




no past dues or any other negatives last 2 or 3 years.  Just looking ot maximize score potential off CC utilization. 

Posts: 14,062
Registered: ‎04-15-2011
Re: 2% or 9%

Or somewhere in between.  2% should be just fine.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Contributor
Posts: 760
Registered: ‎02-11-2012
Re: 2% or 9%

Your util is fine. You can not fine tune it any better. What else is reporting? WE can give you more insight with additional info

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)

Remember the Three P's: Pay early in Full, Pay on Time, Patience