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Not so much off a 13 BK, but it was discharged in December 17. I have four cards, the highest of $550.
I only owe $350 on one. Do I pay it off, or leave a little to revolve? I'm trying HARD to raise my score, and it's very frustrating. I earn $83,000 per year and I feel like a jerk for putting myself in that hole. Trying to dig out. Please advise me the correct way to raise it as much as possible?
@Anonymous wrote:Not so much off a 13 BK, but it was discharged in December 17. I have four cards, the highest of $550.
I only owe $350 on one. Do I pay it off, or leave a little to revolve? I'm trying HARD to raise my score, and it's very frustrating. I earn $83,000 per year and I feel like a jerk for putting myself in that hole. Trying to dig out. Please advise me the correct way to raise it as much as possible?
Pay it off. Don't leave anything to "revolve".
To optimize your scores, have 3 cards report zero balance, and let 1 card report a small balance (less than 9% of the limit) -- which you then pay off after the statement cuts.