How high limit balances affect your FICO score

Your payment history is not the only important part of your credit report and score.  The available
credit on your cards will also have a tremendous affect on your FICO score.  The good news for you is there is no time
line on a credit report for high balances.  The credit report only looks at the calculation every month so you can make this work in your favor.  This means if you can pay your balances down, you should see your score come up every month.  This formulated calculation used to generate your score, can work in your favor. Concentrate on paying down your balances and keeping more available credit on your credit cards.  Lets use an example. If your card has a $1000 dollar limit, keep the balance under$300 dollars.  This will let the credit bureaus know you are responsible with managing your credit limits and expenses.

Let me know if this has worked for you, or if you have any questions how to make this work for you.  I want to hear from you.