Please help rearranging these card balances for max credit score.

[BM3]

I would like to maximize my credit score in the next 2-3 months. What would you suggest given this info. I am also curious if 20% util is a lot better than 30% or where that bucket ends. Or is one card at 40-45% better than 3 at 15% sort of thing as well. Thank you. Curious what kind of a bump I could expect by spreading the balance around.

card at 0/1000 

card at 0/1000  

card at 0/750

1 card 0/34000 

1 card 0/14000 

1 card 2800/4300

1 card 12300/19000

1 card 4200/6000

1 card 0/3300

I could spend up to $3000 to pay something down, but would also like an example where I keep the cash instead.

[KLEXH25]

What scores do you want to maximize? Are you looking to maximize scores for a mortgage? Different scores respond differently to utilization and balances. I think Mortgage scores like to see more zero balances.

While most people here would recommend paying down your debts instead of shuffling, that’s probably not a feasible short term solution (although if you can spare the $3k, it would certainly help). Right now the three cards with balances are pretty high. Ideally you don’t want any cards above 29%, even better if 9% or lower.

[BM3]

Id like to max out the typical lender fico8. Looks like Ill be with 4-5 cards with 29%

[AllZero]

I'll state the basic formula below.

Remember these utilization thresholds: 8.9%, 28.9%, 48.9%, 68.9%, 88.9% Get your aggregate utility at or below 8.9%

No individual card should be above 28.9% utilization.

Look into the All Zero Except One card reporting a small balance eg $10-$20. If you want fully optimized score.

10-15 points for aggregate crossing a threshold.
+- 5 points points for individual crossing a threshold.

[BM3]

I feel like there is a way to write this up in an excel formula or a math problem, but I cant wrap my head around it right now. Where X is the perfect distribution below 29%

[KLEXH25]

Doing quick math, if you didn’t pay anything off and spread across all cards, the best you can do is 23-24% (total balances/ total CL).

ETA - of course you’ll lose points for doing this, because your zero cards will cross two thresholds. So your best bet is to take your $0 cards no higher than 8.9% and see where that takes your higher balances.

[BM3]

good point! Cheers

[KLEXH25]

It would look something like this, if you contribute $3k of your own money. You’ll move two cards down two thresholds, and the third down one, without bringing the others above. This is just a suggestion. I have no idea the actual affect.

card at 0/1000 - leave
card at 0/1000 - leave
card at 0/750 - leave
1 card 0/34000 - move $3026 here (8.9%)
1 card 0/14000 - move $1246 here (8.9%)
1 card 2800/4300 - pay $1558 (28.9%)
1 card 12300/19000 - pay $3541 (46.1%)
1 card 4200/6000 - pay $1734 (28.9%)
1 card 0/3300 - move $293 here (8.9%)

[BM3]

quick math shows if i put 28.8% on biggest cards thats all my debt. thats cool, leaving rest at 0.

[BM3]

Submitted. Crossing my fingers Ill update when I see results with data.