Which of the following actions builds the highest FICO score?

[OmarGB9]

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@RobynJ wrote:

@Anonymous 

I am also on the learning cycle of FICO score's. However, one thing I know for sure is the most important thing to ALWAYS BE CONCERNED ABOUT is to make your payments on time every month. 2nd most important is to not go over 28% UTIL. If you do this your scores will grow and like the other posters have stated, you can always use AZEO when needed but not stress about it when it's not needed.  

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Well, that's not entirely true. Realistically, you can use as much of the credit line as you want. As long as you stay under 88.9% utilization by the close of the billing cycle, you should be alright. Now, if you want optimal scores, then you can still use as much of the credit line as you want, but yes, you'd want to pay down the card to under 28.9% (even better, under 8.9%) BEFORE the billing cycle closes.

[juniornj23]

You need to know this 2 date closing and due 

Due day by this one you want to pay off your card and usually the closing is when your bank say to the CB how much you owe 

23 due day pay off 

28 closing day by that day charge 5% of your credit .