- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
You should for scoring purposes let an amount between 1 to 4% report on one of the cards. That's for the best possible score. Thus, if you care about that, then yes.
Right now with balances on all cards and 50% on one of them, that's undoubtedly holding down your score, especially on TU from FICO which punishes carrying balances (even tiny ones) on multiple cards. So yes, you would see your score go up to pay them all off, but for OPTIMAL results you want 1-4% on ONE card.
History isn't known with reporting so it doesn't matter how many cycles all you have to care is have they reported to the bureaus. If so, you're there. No one will know what your utilization was from the previous month once that happens (or care that I've ever seen).