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Trying different utilizations on revolving accounts

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CreditBob
Established Contributor

Trying different utilizations on revolving accounts

I wanted to try something new. My scores went up with leaving one percent utilization both of my credit cards totaling two percent of balance vs. the total line of credit. Now I am going to bump it up to three percent on each account totaling six percent utilization percentage to see what happens. I want to see if it will increase the score or if it stays right were it is now. High FICO score achievers have an average utilization percentage on revolving debt. If it increases it I will have my answer. If that does not work then I will try six percent utilization on both accounts. And if that does not work then I will go back down to a one percent utilzation percentage on each account. 

 

Let me know if anyone else has tried this, to elaborate on what works or does not work. And yes I am aware that there are other factors. But I am only specifically concentrating on revolving trade lines on my report.

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1 REPLY 1
Anonymous
Not applicable

Re: Trying different utilizations on revolving accounts

If you have only 2 revolving accounts total, you should be leaving one of them at $0 (AZEO) while leaving a small balance (1%-8.9%) reported on the other one if you're looking to maximize score.  If playing with the small balance on one of the revolvers allows you to play with your aggregate utilization... 1%... 3%... 4% etc. that's fine, as some people do report a "sweet spot" somewhere giving them a few extra points compared to the percentages around that number. 

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