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.