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Paying off or leaving small amount for best credit?
So I have a
Capital one card $400 limit
Orchard Bank $300
Target $900
Merrick $1000
for the best possible increasing score do I use the cards paying everything off prior to reporting? I'd been letting each get reported with like a $8.00 balance to show SOME usage. I am only using these to increase my credit score back up post BK. Any advice is appreciated.

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