Credit Card Balances

Credit Card BalancesCredit Card Balances
DavidEthix asked 3 years ago

Hello All,

 

 

I am currently looiking to boost my scores across the board. As of now my EX is 654. EQ 653 from Credit Karma and TU 698 from BOA. 

 

One of the ways I want to boost my scores are paying down my card balances. Here is a list of the accounts I have in my name and also as an AU on my wifes account. Also will be the balances

 

CapOne QS $ 2250-$ 1000 balance

 

CapOne QS $ 2250-$ 100 Balance

 

CFNA $ 1250-$ 0 Balance

 

Barclay Rewards $ 1000-$ 60 balance

 

NFL Points $ 700-$ 0 balance

 

Apple Rewards $ 1500-$ 0 balance

 

Barclay Arrival $ 1200-$ 600 Balance

 

Discover IT $ 5500-$ 400 balance

 

Lowes $ 12,000-$ 0 Balance

 

TJX $ 3500-$ 0 Balance

 

BOFA Travel Rewards $ 1000-$ 500 Balance

 

CareCredit $ 5000.-$ 0 Balance

 

Best Buy Visa AU $ 2000-$ 450 Balance

 

Macys $ 1400-$ 50 Balance

 

Amex Detla Gold AU $ 1000-$ 100 balance

 

Amex Hilton Honors AU$ 6200-$ 100 balance.

 

My question is would paying down all of these cards help my and her score out? I have read about leaving 0 balances and having a negative impact. Or should I leave some running balances? Just not sure and would love some advice from these great people on this forum.

 

Thanks!

 

 

 

 

 

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