It helps fico 9 more because under that system paid collections and judgements are treated like they never existed for purposes of that system. So when you pay a baddie it’s magically not counted anymore. That is why its having little luck being adopted by more businesses. I do, however, personally favor a system that treats paid medical debt different than any other debt. You didn’t sign a contract to pay under those bills. So I believe they don’t really count the same as showing your likelihood to pay. Medical bills can swamp anyone.
CapitalOne over the past several months have started to show that they want to see significant usage on their cards to consider you for a CLI. With my Venture, I never got above 50% of my CL (paid for most of my wedding on the card, got the miles, then paid it off from savings so no interest), and they gave me a $3000 CLI when I asked.
My Quicksilver was left to idle, with an occasional small lunch purchase. They declined my CLI request due to insufficiant use of my credit limit.
Venture: $18K | Amex ED: $18K | Amex BCE: $15K | NFCU CR: $15K | IT #1: $14.5K | Wells Fargo: $11K | Savor: 10K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | IT #2: $6.8K | MLife: $6.5K | Sportsman's Guide: $5.9K | NRA: $5.5K | Elan Plat: $2.3K | Cap1 PS: 2K | TRV: $2.5K | Cabela's: $1K
Current FICO 8 Scores: EQ: 728 | TU: 736 | EX: 726