- Gold Member
- Posts: 33
- Joined: Sun Mar 11, 2012 2:57 pm
- Location: San Diego, CA
I think I read somewhere the best way to do this is to stop credit card use completely, or just charge less than 6% (chose that number arbitrarily) of my total utilization?
Im doing this because I'll be applying for a personal loan for school in the coming months. Most recent my score, just 2 weeks ago from Equifax, was a 744. Is getting a higher score going to really affect me much at this point?
- I also pay in full every month.
Capital One Quicksilver: Since 10/2008 (CapOne Platinum originally)... upgraded on 08/2013
Chase Amazon Visa: Since 07/2011
Amex Gold Premier Rewards: Since 11/2011
Blue Cash Preferred: Since 05/2016
Experian Score: 825 05/16
TransUnion Score: 797 05/16