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Old 04-16-2008, 09:55 AM
noppenbd noppenbd is offline
$ Saving College Freshman
 
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Bankrate.com has a FICO calculator which was created by Fair Isaac.

Credit Score Calculator | Improve FICO Score

I tried putting in the following: 1 credit card, opened 5 yrs ago, no mortgage, no applications in last 6 months, balance of $5K, representing 50-70% of limit, no delinquencies. Score range was 650-700. Then I changed the balance to $0, representing 0% of limit, and keeping everything else the same, and score range went to 730-780.

That seems like proof to me that paying off a $5K balance that represents over 50% of the limit will raise your credit score 80 points or so.
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