I'm not sure if this will be helpful, but I found this:
Quote:Best Action
Pay Down 90—100% of Revolving Balances
If the starting FICO score was: 670
Then, based on this action, the simulated FICO score could be in the following range:
730—770
How revolving accounts (credit cards, department store credit cards, revolving lines of credit) are managed is heavily weighted in the FICO score. FICO scores evaluate revolving accounts in a variety of ways, including comparing balances to available credit, as well as looking at the number of accounts with a balance. A general rule to remember: consistently carrying lower balances on revolving trade lines will generate positive points for a FICO score.
This simulation was based on paying down 90—100% of revolving balances.
