Credit Boards has great answers. BAL HICR ratio

i would be willing to pay for some professional critique
maybe I AM stupid or terrible. i dont know. all i know is what works for me.
so if you are willing to share your positions on my terrible
i would pay you.
say 100.00 for 5 good reasons or instances of terrible
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The bad advice I saw was that people could raise their score by payingtheir cards down to 80% of their limit. That kind of usage will drop your score like a rock. Ideal is under 20%. 50% is passable. Thanks for being honest about it. We know - we've been doing this a while now. Our board is heavily moderated. Most of the other credit discussion boards will let you post links if you are participating, but if you just sign up and spam them they'll get mad. They don't have our level of expenses, so they don't care about getting agood price for their ad space - or they don't know any better.
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thanks for the reply
i worked 12 years in automobiles and finance
I actually had many people pay down balances to less than 80% and i could get them financed because the score jumped big time. even my boss who now is a banker had it happen to him. went from 720 to 600 and back to 700 over the 80% thing. he bought a motorbike on credit (that put him 100% on that line of credit) and jammed up one card. He sold the bike and paid his card to less than 80% on my advice and bamm.
So this has been done by several people I know. It's been 2 years ago but i would assume it still holds true. What the hey?

At least terrible is not as bad as i imagined, and you are very nice to answer me back as i know i have hit the wrong button with you folks. I hate it when i get these cash advance comments on my blog with a link back to this cheap site. I am sure thats how you felt. Sorry

have a nice night
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www.creditboards.com
Paying down balances always raises scores, that's true
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i must agree. 20% - 50% are optimum BAL balances to HICR ratio's.
enter balance, then / divide high credit limit figure and press equals =.