@noobafterbk wrote:
am i still too assume that 1 card with <10%util while the others at zero is still the way to go with cards used on a rotation basis ?
i thought the.scoring model had changed to reflect a broader overall credit usage?
so if i have 4.cc in the model above
2.student loan paid as agreed
1 auto loan paid as agreed
is that the maximum return for fico scoring or should i pay a little more. each month than my regular money auto or student loan payments to help?
It seems from feedback from members that this approach works well for many of them but it's not a one size fits all situation.
Try different scenarios over several months and see what helps you the most.
