I have issues

[Lasardo]

I am in the process if rebuilding. I have managed to get 27 negative MEDICAL accounts down to 09 on EX, 4 EQ and nothing on TU.
I had no revolving credit, ever, so I opened 2 secured cc's through Cap1 and a first premier unsecured.
I have a $500 CL on one, $300 on the other and $300 on FP.
My plan was to use the cards to pay off the medical but instead I keep using them for life's necessities. I max them out every month BUT I pay them off every month.
My TU score is 724, EQ 644 and EX 597 because that is where all the medical accounts are.
My question is this.. Because I keep maxing them out and paying them off, does that report that I did that every month and count against my final score? Or if I pay it off,as I always do, and KEEP it paid off will my score's start to finally rise? Basically I know I am told to never go above what? 9%? , But if I have done that already is it too late.? It's like I am spinning my wheels here..
Thanks for any input, and if my question is confusing, it is to me too..

[llecs]

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@Lasardo wrote:
 Because I keep maxing them out and paying them off, does that report that I did that every month and count against my final score? Or if I pay it off,as I always do, and KEEP it paid off will my score's start to finally rise? Basically I know I am told to never go above what? 9%? , But if I have done that already is it too late.? It's like I am spinning my wheels here..
Thanks for any input, and if my question is confusing, it is to me too..

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Your CCs will report once per month and will report the balance you had on the statement date. So, if you pay off the debt by the due date and max it out again inside a couple-few days, then you'd see a maxed out card on your CR. If you pay it off by the due date and don't use it until the statement date, or if you make a second payment prior to the due date getting it to report $0, then your statement will show $0 as will your CR.

You can go above 100% if you want to. What matters is what gets reported.

Never too late to start right. FICO has zero memory of your util 3 months ago, as an example.

[Shogun]

Util only matters when you are needing to boost your scores.   I like to keep it at 0% to avoid paying interest.  If I need a boost, I'll charge a candy bar.