Change in Utilization

[wpbguy]

Hello credit gurus,

I am currently in the process of truly starting my homebuying journey. My scores are at a point where I believe I can really make this happen. I have my utilization at 1% (rounded up). However, I have heard the having utilization at about 9% can truly maximize my scores rather than being closer to 0%. I basically have all my cards at $0 and one card @ $1. Is it better to let one of my cards reach 9%, or my entire utilization at 9%? Is 9% really a sweet spot or is this all wild speculations.

Please chime in!

[coachmiff]

Their's a guy on here that has scores in the 800's--he said the sweet spot is 2% on your biggest card and 0 on all the rest.  I tried this and my score went up over 30 points to 778--hope this helps!

[Shogun]

My sweet spot is one card reporting 4%.   It just takes some time and some tinkering to figure it out.

[wpbguy]

So here's my next question, does the type of credit card (retail credit, etc) that has the balance factor in at all?

[llecs]

Seems like former mod, psychic, did an experiment by letting a store charge report vs. a revolving CC. I honestly can't remember the results though. Probably not much help.