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I use very little of my credit. maybe 2 to 3 cards and pay the balances completely down and they take my credit score down. then I try leaving a balance on some of the cards. ( very small balance 2-4 % ) and they still take my credit score down I do not know what to do. Every method i try my credit scores wont rise. I need professional help.
For optimal scoring, seek AZEO All Zero Except One card reporting a small balance.
Is there any derogatory or delinquency that is suppressing your scores?
I would recommend reading the below from ABCD2199
The Truth about Credit Card Utilization
My 11 Rules to Credit Rebuilding
FICO Score: What to pay down first?
From Birdman7
General Scoring Primer and Version 8 Master Thread rev.5.17.20
Welcome to the forum @Anonymous
First, in order to help you we need to know where you are getting your scores from (Experian, MyFico -actual Fico score or someplace like creditkarma - VantageScore).
Your actual Fico scores.
It will also help to know some details of your credit profile: Age of oldest account (AoOA), age of youngest account (AoYA), average age of accounts (AAoA).
Any negative information contained on your reports (can be found by requesting a free copy of your reports from https://www.annualcreditreport.com/ ).
More information may be requested based on your responses, but this should at least provide some insight as to what suggestions to offer to help reach your scoring goals.
Don't worry @Anonymous You are in good hands here and I already see some good advice
@Anonymous wrote:I use very little of my credit. maybe 2 to 3 cards and pay the balances completely down and they take my credit score down. then I try leaving a balance on some of the cards. ( very small balance 2-4 % ) and they still take my credit score down I do not know what to do. Every method i try my credit scores wont rise. I need professional help.
You don't need professional help.
Our amateur help will be better.
Just give us some detail about your cards and limits and we'll probably be able to help you fix it