Posts: 27,204
Registered: ‎09-13-2012
Re: Utilization/Number of Revolving Accounts with Balances Question
What's hurting you is the number of cards reporting balances and the util reported. If the 5th card reports zero, it will help but the reality is you still have 3 more reporting.

What is your total util? Are you trying to go for maximum FICO scoring?