Frequent Contributor
basballguy
Posts: 359
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.  :smileyhappy:

 

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.

 

Thoughts?

 

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


Moderator
Shogun
Posts: 11,026
Registered: ‎04-15-2011
Re: 2% or 9%

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


Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Established Contributor
bettercreditguy1
Posts: 692
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 TU 733 EXP 735 (FAKO)
Updated scores 04/13/2014 EQ 792 TU 763 EXP 768 (Fico)


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