Thanks again, Ytzak. I'll check out Capital One and a couple other cards to see what they offer. Good info.
This last few months I am indeed obsessing on my Fico scores. I am hoping to get back to 760 soon at the end of March. This morning I just spent some time calculating and estimating of how much scores I could get on each payment made only on credit cards by ignoring other payments I made on other loans (school and auto), loan I am going to apply soon and age of positive credit accounts in 2 months. This is asumming that my credit reports information are fixed on EXP,EQ and TU before the end of March by reinstating the $10200 credit limit of Citibank account. Anyway.
Total Payment Score
1. 1881.47, Pay $1881.47 to get 763 score (starting 03/17-18 to before Mar 31st) ==> 760! 
2. 5000, Pay $3118.53 to get 768 score --> This part is weird since I have to pay over $3K to raise 5 pts on the score
3. 5350, Pay $350.00 to get 773 score
4. 5900, Pay $550.00 to get 778 score (Apr 30th)
5. 6590, Pay $690.00 to get 788 score --> Pay $690 to get 10 points increased 
6. 8490, Pay $1900.00 to get 793 score
7. 10975, Pay $2485.00 to get 798 score(May but short of $1000~)
8. 11600, Pay $625 to get 808 (1st week of June) --> Goal achieved by getting 10 points increased with $625
In between time, I might get a chance to another few CLI that would be awesome. I am using Experian Fico 8 simulation. At the end of March I am going to reorder MyFico 3B reports since my order was rejected last week. I already verified with them but they haven't remove the payment locked.
I think you may have to leave some balances to keep the creditor happy and to keep the algorithm keep pumping scores to you (age of positive accounts on every 3 months translated to 5 points). On the credit bureaus Fico 8 or Vantage 3 simulation, it always seem like when we entered max debt value on the paid off we always getting the higher max return scores. However, in real life that is not always the case. The Vantage 3 has a flaw or maybe it is designed to look at the short term period by ignoring many other factors that you could do to gain higher scores. Fico 8 simulation works better and actually can predict what is coming next if you pay certain amount of debts.
It is true that if you paid of personal loans your credit scores would drop but it is just temporary. I noticed that occasionally whenever I am using the payment plan credits from some stores instead of my credit cards. Next time I am just going to use the Amex payment plan offer and that also will help to gain 6% cash back. I love my Amex.
My scores actually dropped a bit yesterday when it finally updated the paid-off balance on one of my accounts from last month. It happened to me on Oct and December last year too when I paid off several accounts. They will get back on at the end of Mar by gaining 30 points
Rule is always leave some balances to get your scores and pay small slightly that minimum pay to make the system happy. On my calculation, I leave some account with balances and not planning to pay them off because I want to keep the credit history. As long as there are some positive history of payments the scores will always gain points over time.
On your auto loan account actually boost back your scores. However, ignore the automatic credit report saying that it is too high. However, on $18K auto and 3.99% if your payment is $700 does that mean you are on 27 months loan? Just curious.
@Anonymouswrote:I think you may have to leave some balances to keep the creditor happy and to keep the algorithm keep pumping scores to you (age of positive accounts on every 3 months translated to 5 points). On the credit bureaus Fico 8 or Vantage 3 simulation, it always seem like when we entered max debt value on the paid off we always getting the higher max return scores. However, in real life that is not always the case. The Vantage 3 has a flaw or maybe it is designed to look at the short term period by ignoring many other factors that you could do to gain higher scores. Fico 8 simulation works better and actually can predict what is coming next if you pay certain amount of debts.
It is true that if you paid of personal loans your credit scores would drop but it is just temporary. I noticed that occasionally whenever I am using the payment plan credits from some stores instead of my credit cards. Next time I am just going to use the Amex payment plan offer and that also will help to gain 6% cash back.
My scores actually dropped a bit yesterday when it finally updated the paid-off balance on one of my accounts from last month. It happened to me on Oct and December last year too when I paid off several accounts. They will get back on at the end of Mar by gaining 30 points
Rule is always leave some balances to get your scores and pay small slightly that minimum pay to make the system happy. On my calculation, I leave some account with balances and not planning to pay them off because I want to keep the credit history. As long as there are some positive history of payments the scores will always gain points over time.
On your auto loan account actually boost back your scores. However, ignore the automatic credit report saying that it is too high. However, on $18K auto and 3.99% if your payment is $700 does that mean you are on 27 months loan? Just curious.
Yes! I learned early on always leave some kind of revolving debt below 10% Utilization across the board... Right now I owe $535 on a credit card that is zero 0 percent intro while I could pay it today that's not my goal payments over time and a thick file is what I'm going for.