@Thomas_Thumb wrote:Penalty for # of cards reporting and highest card utilization vary a bit depending on the CRA. For example, EX does not penalize much, if any, for too many cards with balances. EQ and TU do penalize.
My guess: Taking your highest card from 48% to under 29% may gain you 0-3 points on EQ, 0-5 on TU and 3-7 points on EX. Taking the card to $0 vs reporting a balance under 29% likely won't make a difference as long as AG UT is already under 5%.
My experience with it, a long time ago, was losing 7 points for having a single account over 50%.
