https://ficoforums.myfico.com/t5/General-Credit-Topics/Oh-I-get-the-Rackett/m-p/5079591#M251454 <P>Far from true.</P><P>&nbsp;</P><P>Ideally, you want a small remaining balance on an installment loan (auto/student/home/personal) and a small balance on just one out of three or more credit cards.</P><P>&nbsp;</P><P>Where are you getting your scores from? Some of the free monitoring services (while useful for keeping an eye on things but not for scores) will sometimes&nbsp;have wacky swings all over the place.</P><P>&nbsp;</P><P>Are you sure new derogs aren't appearing?</P> Thu, 26 Oct 2017 21:49:05 GMT Anonymous 2017-10-26T21:49:05Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Oh-I-get-the-Rackett/m-p/5079562#M251452 <P>When you run up your debt your scores go up, and as my credit balance is coming down, so is my FICO scores! &nbsp;<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> &nbsp;I know it's probably not that simple but boy, sure looks like it!</P> Thu, 26 Oct 2017 21:14:18 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Oh-I-get-the-Rackett/m-p/5079562#M251452 babbles 2017-10-26T21:14:18Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Oh-I-get-the-Rackett/m-p/5079591#M251454 <P>Far from true.</P><P>&nbsp;</P><P>Ideally, you want a small remaining balance on an installment loan (auto/student/home/personal) and a small balance on just one out of three or more credit cards.</P><P>&nbsp;</P><P>Where are you getting your scores from? Some of the free monitoring services (while useful for keeping an eye on things but not for scores) will sometimes&nbsp;have wacky swings all over the place.</P><P>&nbsp;</P><P>Are you sure new derogs aren't appearing?</P> Thu, 26 Oct 2017 21:49:05 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Oh-I-get-the-Rackett/m-p/5079591#M251454 Anonymous 2017-10-26T21:49:05Z