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streamline wrote:
This is new to me... a $10 balance on a credit card is better than zero balance? Is that right?
@Tuscani wrote:
@Anonymous wrote:This is new to me... a $10 balance on a credit card is better than zero balance? Is that right?Yep
Message Edited by Tuscani on 08-12-2007 05:00 PM
@smallfry wrote:
@Tuscani wrote:
@Anonymous wrote:
This is new to me... a $10 balance on a credit card is better than zero balance? Is that right?
Yep
Message Edited by Tuscani on 08-12-2007 05:00 PM
You realize there is no proof to that and should really quantify the comment. Are you saying that if you have 15 credit cards that you should let ALL of them report $10 every month for maximum points? I don't think so.
ilovepizza wrote:
Did score go up from carrying balances or because balances forced activity on all cards?
@fused111 wrote:
@Anonymous wrote:
Did score go up from carrying balances or because balances forced activity on all cards?I believe it's the former. FICO likes low util.
YES, if the util puts you at 1-9%!
@smallfry wrote:
@Tuscani wrote:
@Anonymous wrote:
This is new to me... a $10 balance on a credit card is better than zero balance? Is that right?
Yep
Message Edited by Tuscani on 08-12-2007 05:00 PM
You realize there is no proof to that and should really quantify the comment. Are you saying that if you have 15 credit cards that you should let ALL of them report $10 every month for maximum points? I don't think so.
How?
smallfry wrote:
Remember that the creditors and FICO get info they don't share with us concerning our reports. If you have used the card a particular month and show a 0 balance they know you have used it.