topic Re: Util across one card or all? in Understanding FICO® Scoring https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-across-one-card-or-all/m-p/1555904#M65816 <P>Yeah. &nbsp;Ideal is 1-9% of both card and total limit utilization and rest of cards reporting 0 balance.</P> Fri, 24 Aug 2012 15:57:36 GMT Anonymous 2012-08-24T15:57:36Z Util across one card or all? https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-across-one-card-or-all/m-p/1555856#M65813 Does FICO count util on each card or overall? I have two with a total 1k limit and plan on only leaving a $19 balance on one.. My high balance one will be paid off <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> Fri, 24 Aug 2012 15:22:51 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-across-one-card-or-all/m-p/1555856#M65813 Anonymous 2012-08-24T15:22:51Z Re: Util across one card or all? https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-across-one-card-or-all/m-p/1555870#M65814 <P>Wish it was that simple. &nbsp;Total util is key factor. &nbsp; However individual cards util figure into score. &nbsp;Also small ding for each account with any balance.</P> Fri, 24 Aug 2012 15:32:02 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-across-one-card-or-all/m-p/1555870#M65814 Anonymous 2012-08-24T15:32:02Z Re: Util across one card or all? https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-across-one-card-or-all/m-p/1555880#M65815 So I should be fine with 19/500 and 0/500 then.. Fri, 24 Aug 2012 15:35:01 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-across-one-card-or-all/m-p/1555880#M65815 Anonymous 2012-08-24T15:35:01Z Re: Util across one card or all? https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-across-one-card-or-all/m-p/1555904#M65816 <P>Yeah. &nbsp;Ideal is 1-9% of both card and total limit utilization and rest of cards reporting 0 balance.</P> Fri, 24 Aug 2012 15:57:36 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-across-one-card-or-all/m-p/1555904#M65816 Anonymous 2012-08-24T15:57:36Z