While that won't get you to the admittedly enticing goal of having a card with 0 - percent utilization, it will do something more important: ensure that you don't have any cards whose individual utilization is in those dangerous - to - your -
score upper ranges.
Not exact matches
That
upper range may be all that's available to a borrower with a credit
score in the 600s.
Many commercial lenders refuse to approve home loans to buyers with FICO
scores below the mid to
upper 600
range.
In 2007, even students and co-signers with FICO
scores in the
upper 500
ranges could find loans (albeit expensive loans).
If you want to move into the
upper end of the credit
score range, you simply need to change your actions.
Youths with BGMC questionnaire
scores in the
upper quartile had A1c values 1 percentage point higher (9.1 %) than youths with
scores in the lowest quartile (8.0 %), whereas youths with
scores in the interquartile
range had intermediate A1c values (8.3 %).