credit limit vs fico score

[creditchild]

i was wondering if it would make a diffrence in myfico scoring

if my cclimits were higher than they are now. my accts or as follows:

orchard: $700cl  bal:$60

cap one:$500cl  bal:$89

cap one:$500cl  bal:$23

kays:$1600cl       bal: 0

barclys:1800cl     bal:347

fico scores are (EQ)647  (TU)675   just trying

to get my scores up some more,don't know why but EQ hasnt updated yet

TU only went up 4points so i was wondering if i should work on getting

higher limit cards. Thanks. 

[JM-AM]

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@creditchild wrote:

i was wondering if it would make a diffrence in myfico scoring

if my cclimits were higher than they are now. my accts or as follows:

orchard: $700cl  bal:$60 Pay in full and have a 0 balance report

cap one:$500cl  bal:$89 Pay in full and have 0 balance report.

cap one:$500cl  bal:$23 Pay in full and have 0 balance report.

kays:$1600cl       bal: 0 Keep at 0 balance

barclys:1800cl     bal:347 Pay down to 100.

fico scores are (EQ)647  (TU)675   just trying

to get my scores up some more,don't know why but EQ hasnt updated yet

TU only went up 4points so i was wondering if i should work on getting

higher limit cards. Thanks. 

It isn't about higher limit cards it is about how you use and pay off your cards. 

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[larinoriani]

In my opinion it would help more and faster if you PIF all of them except for leaving one at about 10% of the CL.

Increasing your CL's would be benefitial after the first hit of the inquiries/new accounts has passed.

EDIT:Typed without seeing previous reply. Basically what JM said.

[AndySoCal]

Your credit utilization is around 10%.  Whatever you pay will  not make much if any differance in your score. Look at the reasons that are impacting your score an see what can be done to address those issues. They are in order of impact.