Community Leader
Epic Contributor
Posts: 26,024
Registered: ‎03-19-2007
Re: confused......

It seems to be common wisdom by posters on the site that they see a bit higher score when util is left on at least one card at the level of 1-9%.

However, in the case of only one card, any benefit may be offset by the fact that it will always result in 100% of revolving credit carrying a balance, which is an additional scoring factor.  Its not a simple matter of do this, or do that.


I would suggest playing around with it for a few months.  Let it report $0 one month, then less than 10% the next.  Since prior month's % util are not scored in subsequent months, it wont have any lingering effect on scoring, and thus would be a great chance to give both alternatives a test-drive.