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Equifax currently 710 (well according to My Fico, according to creditor who pulled same day it is < 700 so maybe MyFico ain't MyFico but i digress) and mostly that low because of util (35%) and # of accounts with balances (9 of 16).
Anyway, wondering if I should ask HSBC, who does not report my card to Efax if they will. Assuming they will, will this help?
It turns 1 year old in Feb so won't hurt as 'new'. Will lower AA just a bit but not much (8+ years). Balance is $2.5 out of $3k but that will be paid down to $0 so will give me another account in perfect standing and add 5% or so to avail credit and lower util a bit.