Help with playing the ratios

[Cloudlb]

Just pulled my recent FICO scores and they're good -- 736 TU and 737 EX.  However, my "ratio of revolving balances to credit limits" is 0%

I just pay all the balances as soon as I can, and often ahead of when they report, because I'm sooooo paranoid about missing or late payments, and I find the report date/due date/balances confusing on my statements. 

(Note:  3 cards -- a vanilla mastercard from my credit union, $1,000 limit; a Discovery More card, $6200 limit; and a new Dillard's Amex, $4,000 limit; plus a Furniture Row account with no current activity, and a current car loan). 

However, is this hurting my score?  I don't want to chance missing a payment, but is there a simple way to improve this part? 

[tcbofade]

How simple do you want?

Your scores are fine.  Don't change anything.

You want to improve them?  Let a small balance report on ONE of your credit card accounts...

It MIGHT gain you a few points, but IMO, your scores are fine, and I wouldn't change anything if I were you.

[Cloudlb]

Thanks.  I'm very happy with my credit right now, but am looking to buy a house in the next year or two.  Would be nice to be above 750, but honestly I'd rather just pay them off as fast as I can.  Even having those 3 cards makes me nervous! 

[compassion101]

Just keep doing what you are doing. If you want to test out the balance theory for your personal credit then let a small balance report and see what happens to your scores.

If it boosts you a few points and you feel you need a few point boost when you go to buy your house, then let a small balance report a month or two ahead of your mortgage applications. Utilization has no memory so it is a month-to-month change.

[Cloudlb]

Okay, thanks -- just wondering if I was doing it wrong.  I keep seeing other posts that say you should let a small balance report.