@Hutchman92 wrote:I'm confused on this one. I was always told to let 1% report. Is this inncorrect and it should be 9%?
For overall revolving utilization, the lower it is, the better. So 1% is even better than 9%.
For individual account utilization the most important metrics are to be under 28%, and to have most accounts reporting at zero.
If you were to have 1 account reporting at 9% or less, and all other accounts reporting at zero, you would be totally optimized for revolving utilization across all scoring models.
@Hutchman92 wrote:So is this done on a monthly basis? Meaning that some cards report on the 5th and other cards report on the 21st. So perhaps if my cards that reports early in the month have 0 balance and I lose a few points they will likely come back when my other cards report under 5% later in the month?
in regards to the $150 threshold on some scoring Models, is that all revolving account combined? So ideally I should be 1-4% and $150 reporting monthly?
I read your post on this but would like some clarification in regards to closed accounts, charge off and collections. I have one collection (port recov)for $252 from a secured cap one card years ago. I also have a 2x first prem, 1x milestone, 1x fingerhut, 1x BofA all with higher post balances than original limit. Luckily only 3 are still updated regularly. So I understand the updated ones will still hurt my payment history as time period of delinquency is still growing but in regards to revolving limit are these calculated currently in my total dollar balance and in my utilization?
Would it be wise to try and change my date on all to the same date so statement so everything reports together?
@Hutchman92 yes this happens every month for every card and that's why it's only worth doing when you need to squeeze out every point for a credit application, imho. Some people it helps to move the due date or closing dates.
you're not gonna lose points from Cards reporting zeros unless it's all of them simultaneously. (Primary/AU on 8/9.)
If cards report reduced amounts, that can result in increases. The threshold is actually under $150 it is believed and that is only on score 2. Yes it's in the aggregate, the total of all revolving tradelines reporting Balances. That's what I'm trying to tell you, you only want one bankcard reporting a balance, preferably under $100! No, ideally 0% - <4.5%, as some scorecards have a 5% threshold.
as far as collections go, paying makes no difference, you have to have them removed to help scorewise. They are not affecting utilization.
Chargeoffs typically affect balance & utilization for two years from the date of last update, it appears. So, if it's regularly updating, it will not only increase TPOD (total period of delinquency) in payment history metrics (which serves to continually suppress your score), but also affect balance & utilization metrics as well.
Double whammy, killing you through payment history and amounts owed. You might want to deal with those that are regularly reporting if they're not falling off soon. Js. 
closed accounts in good standing should be calculated in revolving utilization and balance metrics while they have a balance.
if you want to give me more details about what's closed, whats charged off and what's a collection, we might be able to give you more details like certain collections you can do PFDs, certain ones you just have to let them age off.