My husband current has a Trans score of 609 and we need to increase it as soon as we can. i know that paying down the credit limits would be a help. I am thinking that I could pay the entire balance on one of his cards next week( which is only $200) so that it will show a $0 balance during the first week of june and then use the card and pay it off again before the end of june. My question is by paying the balances down just before the end of the billing cycle cause the low balance to limit ratio show up as long as it is paid down every month before the end of the month?
