AZEO question

[Anonymous]

So I tried Azeo last month and left $10 on my $1850 CC and other 2 at 0. It didn't improve my score for some reason from being $0 on all 3. 

Should I try to carry 5% on my $1850 Cap1? Which comes out to $92. The $92 balance seems a little high but since it takes 8.9% and above, will I be okay to carry 5% on my 1 card and $0 on others?

Thanks,

[Anonymous]

Hi,

I am by no means an expert and am new here myself. I am guessing the reason your score didnt improve is because if you left $10 on a $1850 CL that is less than 1% which might as well be 0. I'd say go to 2% and see if that matters. I think the $10 was too little to make a difference. 

[HMcMD]

@buildingafuture is correct based on what I have learnt so far. 

[gdale6]

1-9% of the CL needs to report, this is looking like 0 as others have said.

[CH-7-Mission-Accomplished]

I don't think this is true.   A $2 - $3 charge is enough to show activity on one card, which FICO wants.   Anything reporting is rounded up to 1% for FICO scoring.    The other forum talks about the $2 trick (for years now) and it works great.   I've used it most months.   Just let $2 report and you're fine.   Pay all cards to zero and you lose 20 points.   Have something between $2 and 1% report and it's all the same.

[Anonymous]

That's exactly what I thought. I read that it has to be greater than $3 so I left $10. Not sure why it didn't work though. Might try leaving a little higher balance this month.

Thanks for all your advise

[Anonymous]

No expert, but have been lurking here and different credit repair forums and have heard of keeping 1%-3% utilization on each card to maximize Fico points. Has worked for a lot of people so hey why not try it? 🤷🏻‍♂️