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How to get the best FICO score ? Advice

Regular Contributor

How to get the best FICO score ? Advice

I have 4 credit cards

3 regular and 1 amex charge card

i want to buy next month a car and I want to maximize my FICO score

i was told that the best is to have under 9% UTI and have only 1 card report a balance


usually I like to keep one of my 3 regular cards report a balance and have my charge card report 0 because it doesn't count towards UTI

this month for some reason I forgot oti pay off my charge card before the statement cutoff date so I have a balance on it


know my question is should I pay report My 3 other cards as 0 ? This will get me to 0% UTI


Or do I keep 1 with a balance and then I will have 2 cards report a balance (1 revolving card and 1 charge card) ?

FICO 8's EX 770 EQ 751 TU 771 (1/16/17)
Amex Gold Premier rewards ( Charge Card)
Amex Blue cash - $47,800 Wells Fargo - $15,000 Citibank Simplicity - $13,800 Barclays Apple - $13,000 Walmart Mastercard - $8000 Chase Slate - $7,200 Discover It - $5,500 Capital One - $5,250
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Re: How to get the best FICO score ? Advice

I think the magic utlization ratio is 2%. Hit that while keeping the balance of all but one cards at zero.

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