Number of Cards Reporting Zero Balance

[Jazee]

I'm familiar with AZEO.  What about this hypothetical.  If you have 4 cards and 2 are reporting a balance less than 10% UTI and 2 are 60% UTI.  And you can etiher take one of the 4 cards to a zero balance, or take one of the 4 cards from 60% UTI to 48%, is there an advantage is score effect of one over the other?

[Thomas_Thumb]

For the older mortgage Fico algorithms; taking a card to $0 would be best. Those models, particularly EQ and TU, don't like 100% of cards with balances - except 1 of 1.

With newer models the better strategy is to get the 2 higher UT cards under 49%. Taking one to 48% is progress toward that goal.