11 Credit Cards - Maxed Out - Need Options

[Anonymous]

Should I get all cards to 87% or just pay down 3 cards? I guess my question is, does my FICO score get better if my total utilization is 87% or if all cards are at 87%. I want to use the money the best way possible.

Thanks!

[tcbofade]

Get all accounts under 88.9%.

There is a large score penalty for ANY account reporting over 88.9.  You'll see score progress as soon as the CRAs update.

[SouthJamaica]

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@Anonymous wrote:
Should I get all cards to 87% or just pay down 3 cards? I guess my question is, does my FICO score get better if my total utilization is 87% or if all cards are at 87%. I want to use the money the best way possible.

Thanks!

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There's a penalty for highest individual card utilization, so those who advised you to do it across the board are 100% right.