Quote:
Originally Posted by Hawkeye
Only total utilization ratio really matters to the credit score AFAIK.
Also, the rule of thumb I have heard is keep the total under 10%, 30% seems really high.
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30 is high. But is a general rule.
That one CC at 35% is the issue
Drop that to 29% and you will see a difference
The big jumps in score happen when you get below 10% total. And you will get a bump each time you move down to 6/5/4 % range