@pancakes Very sound advice. It is never necessary to pay interest due to carrying a balance...ever! As long as you wait until the statement cuts on one card it will show utilization. I have not payed credit card interest in 20 years. Here are some of my scores.
TU fico08=829 02/28/21
EX fico08=819 03/09/21
EQ fico08=835 03/09/21
EX fico09=833 03/09/21
EQ fico bankcard08=856 01/26/21
TU Fico Bankcard 08=853 01/23/21
EQ NG1 fico=802 01/21/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
The fico 08 and 09 scores max out at 850....the bankcard scores max out at 900. The new score is the EQ resilience score index, and it is from 0-99 with lower scores being better. That score gets worse when your other scores improve usually. It is suppose to be an indicator of how resilient your credit is to an economic downturn. My score in that is moderate, but high everywhere else. The myfico forum is free, but to get all your fico scores on the myfico site is costly. There are about 30 of them between the three major CRA's...Equifax, Experian, and Transunion.
