@FishingGuy wrote:I agree with everyone that you want to get it to under 9% / 8.9% on the total aggregate of all cards. But i would also watch each individual card and try to keep that down as well...... I believe if you have a small line on a card, lets say $ 1,000, nd you owe only $300... that 30% on that one individual card ....will also effect your score negatively ( I believe ).... I watch the reporting balance on both the individual cards as well as the total percentage on all cards.
I think the line is more like 80% on an individual tradeline though there is a line somewhere and it might be scorecard dependent. When I was on a dirty scorecard I did test at 67% and no movement, and 93% and did get movement. I personally didn't get better resolution than that and I don't recall people doing any other concrete tests.
