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Touch | Which will improve my credit score more? |
With my tax return money I plan to pay down my debit Which of the following will improve my FICO score the most: (1) Pay off completely ($0 balance) a store credit card (Best Buy) (2) Pay down a Visa credit card that is almost maxed out (will bring down to about 65% of credit used) (3) Split the money and pay some on both. |
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$m¤¤v¥ £¤¢¤
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Here's the REAL answer to that question:
First, this is what makes up your score:
1. Payment history- 35%
2. Total debt owed to available credit ratio-30%
3. Length of time establishing credit-15%
4. Types of credit established-10%
5. Inquiries and New accounts-10%
As you can see, #2 is affecting your score, which affects the ratio of the credit you're currently using and your total available credit. Using 30% or less of your available credit is considered acceptable. So what I would suggest would be to pay the balance down on your Best Buy Card to where it's 30% of your available credit, and the rest go to the Visa. Then I'd make the minimum payments on the Best Buy card and and aggressively pay that Visa down as much and often as possible. This way, at least you have one card at the correct ratio, which can help you work on the larger one. |
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360
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Lower the balances on all your credit cards. Your credit score isnt based on how many credit cards youve paid and closed, Lenders want to see how responisble you are when using them. Use them, make big payments. Keep the overall balance low. This will insure a decent credit score. Stay away from high %%%% credit cards. |
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src50
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Don't worry about the credit score; pay off whichever has the highest interest rate first. |
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Justin T
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Pay off that Best Buy card and then cut that card in two!
Then pay down that Visa card aggressively.
Eat Ramen noodles. Eliminate evenings out.
Debt can not only affect your credit score but your self esteem and sleeping habits. |
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alco19357
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Your Visa, like the other guy said... don't worry. You score is probably already screwed. |
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KevinStud99
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If your aim is improving FICO, and not necessarily reducing interest costs:
A zero balance versus some balance may do you no good at all (it could actually hurt your score, but that varies) -- whereas you definitely want to avoid looking maxxed out on any one card.
The FICO formula is sensitive to the dangers of overutilizing available credit (being maxed out or using a good portion of the credit limit).
Sounds like you need to focus on the Visa, and ideally work to the point where both balances are below 20% or even 10% of credit limit. It's absolutely NOT necessary to be debt-free to have a high FICO score. |
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niquey
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If you are worried about your credit score,pay the visa first because FICO doesn't like to see a credit card maxed out.it really looks bad.Or if you want to only focus on one bill then get rid of the Best Buy bill.
Now on the other hand,if its saving money that you are worried about,see which cc interest is higher. You might be able to save hundreds in the long run.
I wish you the best of luck!!! |
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kapn
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Yep...pay down the highest intrest rate.... |
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Ryan M
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One act of paying your credit card will not significantly affect your credit score.
Pay down the card with the highest interest.
Your credit score could be where it is for various reasons.
Too many open accounts
Too high of debt in accounts
Too many credit inquires
Insufficiant length of credit history
Too many late payments.
High debt to income ratio.
The only way to really figure out why your credit is what it is, is to get a detailed credit report. It will state what actions have affected your score the most. Then stop doing those actions. usually it is always just paying your bills on time, and living with in your means. |
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dmh7593
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I think best is check each one, see which is charging highest in interest rate on each bill and pay whichever one is highest in interest first, or more.
If you want to pay both, then do so but instead of paying each bill 50/50, then what you might want to pay 60/40 or something like that with more to the higher interest card. You'll be paying more principle in that way and shorten time of paying payments that way in the long run. Check out the numbers and see what would work best.
Often times that can be best for you financially. |
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