Good luck. Hope to see your score improvement.
@BM3 wrote: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.
Which banks and cards are these? That makes a difference as to which allow balance transfers, and the fee involved, cash cost to do so.
What are your FICO 8 scores now?
For what purpose do you anticipate needing to "optimize" FICO 8?
The only reason I avoided moving all the debt to your biggest cards is because I was theoretically trying to avoid any loss in points (only gain). Also hoping there’s no AA / balance chasing. Good luck!
