How are points calulated ?

[NEEDCREDITADVISE]

I try to pay off  my credit cards every month before my statement date , so it can report $0 balance Is that giving me more points are should I leave a small balance?

[Creditaddict]

9% or less util in balance should be left. not $0 on everything.

[Anonymous]

I agree with Credit. I'd like to add that for maximum scoring I think that should only be done on one or two total revolving accounts.