https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74276#M12064 Almost every post by the veterans that I've seen says that each individual account should be as low as possible, ideally under 10%, AND all your total revolving balances should be under 10% of your total CL. I have also seen that on my "things you are doing right" comments on my FICO scores.<BR /><BR />If you have beaucoup bucks, leave 1-4% on each. This intrigues the heck out of FICO, resulting in maximum score boost.<BR /><BR />Message Edited by haulingthescoreup on <SPAN class="date_text">09-29-2007</SPAN> <SPAN class="time_text">05:12 PM</SPAN> Sun, 30 Sep 2007 00:12:43 GMT haulingthescoreup 2007-09-30T00:12:43Z https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74238#M12056 Hi How do you raise your fico score the most when you are ready to make large payments? I have have a few credit accounts with different limits and balances. What do you think is the best way to pay them and raise my fico score? The examples I thoughts so far or paying two to 50% or one to 30% or one to 10%. Does fico mostly look at the overall balance or is there an art to it? I'll be paying 9k or more. I welcome all feedback, I'm sure it will be informative to others as well. Thank you very much! Have a great day, Jor Sat, 29 Sep 2007 22:16:17 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74238#M12056 Anonymous 2007-09-29T22:16:17Z https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74276#M12064 Almost every post by the veterans that I've seen says that each individual account should be as low as possible, ideally under 10%, AND all your total revolving balances should be under 10% of your total CL. I have also seen that on my "things you are doing right" comments on my FICO scores.<BR /><BR />If you have beaucoup bucks, leave 1-4% on each. This intrigues the heck out of FICO, resulting in maximum score boost.<BR /><BR />Message Edited by haulingthescoreup on <SPAN class="date_text">09-29-2007</SPAN> <SPAN class="time_text">05:12 PM</SPAN> Sun, 30 Sep 2007 00:12:43 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74276#M12064 haulingthescoreup 2007-09-30T00:12:43Z https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74350#M12089 <DIV>I agree with haulingthescoreup (wow this is a long username<img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" />).</DIV> Sun, 30 Sep 2007 02:54:08 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74350#M12089 fused 2007-09-30T02:54:08Z https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74377#M12103 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/2380">@fused</a> wrote:<DIV>I agree with haulingthescoreup (wow this is a long username<img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" />).</DIV><HR /></BLOCKQUOTE>I think it's Brammy who sometimes calls me HTSU. I bet I've gone to the abbreviations list 4 times looking that up, lol. Sun, 30 Sep 2007 03:53:48 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74377#M12103 haulingthescoreup 2007-09-30T03:53:48Z https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74504#M12145 <BR /><BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/2380">@fused</a> wrote:<BR /><DIV>I agree with haulingthescoreup (wow this is a long username<img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" />).</DIV><BR /><HR /></BLOCKQUOTE><BR />huscup? Sun, 30 Sep 2007 18:51:25 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74504#M12145 MidnightVoice 2007-09-30T18:51:25Z https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74548#M12159 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/5538">@MidnightVoice</a> wrote:<BR /><BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/2380">@fused</a> wrote:<BR /><DIV>I agree with haulingthescoreup (wow this is a long username<img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" />).<BR /><HR /></DIV></BLOCKQUOTE>huscup?<BR /><HR /></BLOCKQUOTE>Whenever Brammy calls me HTSU, I think hit-soo, once I figure out that it's my name, instead of Household Trans Security Universal or something. I think I like "huscup" better, though--thanks!<BR /><BR />Message Edited by haulingthescoreup on <SPAN class="date_text">09-30-2007</SPAN> <SPAN class="time_text">03:15 PM</SPAN> Sun, 30 Sep 2007 22:15:43 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74548#M12159 haulingthescoreup 2007-09-30T22:15:43Z https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74704#M12210 LOLROTF! Mon, 01 Oct 2007 13:59:50 GMT https://ficoforums.myfico.com/t5/Credit-Cards/How-To-Raise-Your-Fico-The-Most-When-It-s-Time-To-Make-Large/m-p/74704#M12210 Anonymous 2007-10-01T13:59:50Z