Re: Trying to Get to AZEO Which Card to Pay to Nex... - myFICO® Forums - 6204239

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I've gotten all my cards to AZEO, now i'm trying to get my wife's there as well, to get a good mortgage rate. Currently she has one card at 7% UT, 29% UT, 41% UT and 42% UT. Should I bring the 7% card down to 0 or one of the Higer cards down to the next threshold?

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One of the higher cards down first if the goal is score gains along the way en route to AZEO.

Keep in mind the type of card for AZEO can make a difference. You want to make sure that it's a bankcard, not a store card or an AU account.

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If all limits are equal, I would just start knocking out the lowest first. That way, you will at least have cards hit zero along the way and be able to put them aside.

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@Bogey1975 wrote:
I've gotten all my cards to AZEO, now i'm trying to get my wife's there as well, to get a good mortgage rate. Currently she has one card at 7% UT, 29% UT, 41% UT and 42% UT. Should I bring the 7% card down to 0 or one of the Higer cards down to the next threshold?

First get everything down to 28% or less, then zero out as many as you can.

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