Your score goes by the UT of all accounts combined tho correct as long as none of them are close to being maxed?
(1) you never want to exceed 30% of total limits
(2) for max score let 1 card report a balance of 1-9%
Hope this helps
Heard this a lot.
But waht if I have only one card? Does 0 on balance mean 0 usage?
You should let your single card report to show usage. Actually adding 1-2 cards can increase your score because it shows more responsible use because you are able to balance your finances, especially if your file is thin.