Hello everyone, i have 2 revolving accounts at the moment that i want to pay down to get the best score increase. I know theirs individual utilization and aggregate. I have my Cap1 account and CFU account both individual UTI over 50%, i usually pay them both down to under 10%. My total credit is only $800 so my aggregate shouldnt be more than 8.9% ideally correct ? I either want to pay the Cap1 account in full down to 0 or leave 28% or less. Same with the CFU. Would i be okay if i pay down both to just 28% or would i need to pay down CFU for example to 28% and can have Cap1 atleast 8% ?
Im most interested in getting my FICO Autoscores and bankcard scores up.
Starting Score: 512
@Mdowning30 wrote:Hello everyone, i have 2 revolving accounts at the moment that i want to pay down to get the best score increase. I know theirs individual utilization and aggregate. I have my Cap1 account and CFU account both individual UTI over 50%, i usually pay them both down to under 10%. My total credit is only $800 so my aggregate shouldnt be more than 8.9% ideally correct ? I either want to pay the Cap1 account in full down to 0 or leave 28% or less. Same with the CFU. Would i be okay if i pay down both to just 28% or would i need to pay down CFU for example to 28% and can have Cap1 atleast 8% ?
Im most interested in getting my FICO Autoscores and bankcard scores up.
To optimize your scores you should let the Capital One card report a small balance before you pay it off, while the Chase card reports a zero balance.
The reported balance is the statement balance.
Yes the AZEO method will most likely result in a better score than paying both down but leaving a balance on both. AZEO with the one card's balance under 8.9% is ideal, under 28.9% is the next best thing.
Thanks, i was confused on which card to show PIF, so showing leaving a small balance on the Cap1 is actually better than on the Chase.
@SouthJamaica wrote:The reported balance is the statement balance.
Should be.
One time Discover reported my statement balance plus my pending charges. They were not on that statement, still pending after I got the statement, but showed up as part of my balance on the 3B report. 
I don't know if it's something Disco does or just a glitch that one time.
EQ8 775, TU8 764, EX8 772 as of August 9
@mgood wrote:
@SouthJamaica wrote:The reported balance is the statement balance.
Should be.
One time Discover reported my statement balance plus my pending charges. They were not on that statement, still pending after I got the statement, but showed up as part of my balance on the 3B report.
Just a glitch.
