topic Maximize my UTI to get the best score??? in Credit Cards https://ficoforums.myfico.com/t5/Credit-Cards/Maximize-my-UTI-to-get-the-best-score/m-p/477324#M155719 I have 4 open and one closed account (Salute Visa closed my card, but I think they closed everyones account) I'm going to pay them down this month and I was wondering if this would be the best plan to maximize my scores...<BR /><BR /><BR />These are how I will have my accounts reporting<BR /><BR />First premier- balance $0 limit $200<BR /><BR />First premier- balance $0 limit $300<BR /><BR />HSBC- balance $16 limit $420<BR /><BR />HSBC- balance $7 limit $300<BR /><BR />Salute- balance $0 limit $600 (this account is closed and I will be pif the balance. I'm not sure how it plays in to my UTI)<BR /><BR />Should I have the first premier accounts report a small balance? What will give me the best UTI for my credit scores? Wed, 08 Apr 2009 16:57:10 GMT theo78 2009-04-08T16:57:10Z Maximize my UTI to get the best score??? https://ficoforums.myfico.com/t5/Credit-Cards/Maximize-my-UTI-to-get-the-best-score/m-p/477324#M155719 I have 4 open and one closed account (Salute Visa closed my card, but I think they closed everyones account) I'm going to pay them down this month and I was wondering if this would be the best plan to maximize my scores...<BR /><BR /><BR />These are how I will have my accounts reporting<BR /><BR />First premier- balance $0 limit $200<BR /><BR />First premier- balance $0 limit $300<BR /><BR />HSBC- balance $16 limit $420<BR /><BR />HSBC- balance $7 limit $300<BR /><BR />Salute- balance $0 limit $600 (this account is closed and I will be pif the balance. I'm not sure how it plays in to my UTI)<BR /><BR />Should I have the first premier accounts report a small balance? What will give me the best UTI for my credit scores? Wed, 08 Apr 2009 16:57:10 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Maximize-my-UTI-to-get-the-best-score/m-p/477324#M155719 theo78 2009-04-08T16:57:10Z Re: Maximize my UTI to get the best score??? https://ficoforums.myfico.com/t5/Credit-Cards/Maximize-my-UTI-to-get-the-best-score/m-p/477326#M155721 If you have one account reporting a balance, then you will be fine. It hurts your scores to have too many accounts with balances. Wed, 08 Apr 2009 16:58:37 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Maximize-my-UTI-to-get-the-best-score/m-p/477326#M155721 Anonymous 2009-04-08T16:58:37Z