Comment from mes78
Time February 18, 2010 at 11:15 am

Just remember that whatever you leave as a monthly balance hurts your debt/income ratio

Comment from Zakos the greek
Time February 18, 2010 at 12:01 pm

How about NO credit at all. Pay off your debts, dont make new ones and you will have a perfect credit score. Thats what we did. It took us a while but it has been worth it.

Comment from Ian R
Time February 18, 2010 at 12:43 pm

Twenty to thirty percent is recommended, as long as you pay off your debt EACH MONTH.

Every sixth months, you should attempt to raise your credit limit by ten percent.

Comment from CreditMan
Time February 18, 2010 at 1:03 pm

Ideally you should use no more than 20% of your availiable credit. If you use any more than this you will see your credit score start to drop. Using 50% of your credit is bad…

I think it is funny how a company will give your credit but then they will look down at you you when you use it all.. Ironic isnt it?

Any ways look at this article on factors that will raise your credit score http://www.creditfamily.com/articles/improve-your-credit-score.htm

Good Luck!