### Comment:
I don’t have any utilization my % is at 0 because I’ve paid everything off. On the last credit report I got the amount of accounts I have and the utilization hurt me. My mortgage is done, auto loans done, credit cards at 0. No way I’m holding a balance on a 27% credit card. I’ll stick with my 4.99% loan. Since getting the loan my score went up.

### REPLY:
You hold a utilization at sub 10%, pay it off before it’s due, owe nothing, and pay no interest ya tard.

### END.