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Amverdh1978

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Should I pay off cards early will that help my score?

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If there's a balance from prior months and the utlization (combined all credit limits, do use this formula Current balance on all cards divided by credit limits). This give you your utlization ratio. We always preached about trying to keep it under 5% if possible. If your ratio is high, pay down the card with the highest interests rate or the highest balance. Work with one card at a time, as you don't want to pay $25 on each card, and have the interests fee add another $25 for each card. 

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