100% or 0% Utilization? How about 1% or 0.2% credit card utilization ratio. Which are you supposed to to? 30%?? It turns out the optimal method is to owe a very small amount on the statement closing date. For most comparability for most credit card types and credit bureaus, owing is the magic number that you can apply to all your credit cards.
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For extra reading:
My Credit Is Terrible. So what now? – http://blog.creditkarma.com/credit-scores/my-credit-is-terrible-now-what/
Do-it-yourself Credit fix: tips place a Credit Repair Scam – http://blog.creditkarma.com/credit-scores/diy-credit-repair-how-to-spot-a-credit-repair-scam/
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