https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-694/m-p/1975375#M171653 <P>Is it best to pay off all of my cards completly to 0 balance or should they have some balance in them?</P><P>&nbsp;</P><P>Also would I have the same fico score if i paid them off in 2 years or if I paid all dept in 2 months?</P> Tue, 19 Mar 2013 20:23:03 GMT JoshNurse 2013-03-19T20:23:03Z https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-694/m-p/1975375#M171653 <P>Is it best to pay off all of my cards completly to 0 balance or should they have some balance in them?</P><P>&nbsp;</P><P>Also would I have the same fico score if i paid them off in 2 years or if I paid all dept in 2 months?</P> Tue, 19 Mar 2013 20:23:03 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-694/m-p/1975375#M171653 JoshNurse 2013-03-19T20:23:03Z https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-694/m-p/1975541#M171656 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/687201">@JoshNurse</a> wrote:<BR /><P>Is it best to pay off all of my cards completly to 0 balance or should they have some balance in them?</P><P>&nbsp;</P><P>Also would I have the same fico score if i paid them off in 2 years or if I paid all dept in 2 months?</P><HR /></BLOCKQUOTE><P>You should have exactly 1 card with a non-zero balance which is low.</P><P>&nbsp;</P><P>If you're talking about installment loans, the longer the duration of the loan the better score you'll obtain.</P><P>&nbsp;</P> Tue, 19 Mar 2013 21:48:17 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-694/m-p/1975541#M171656 HiLine 2013-03-19T21:48:17Z