ot: credit cards?

[Robbin_G]

So let me get this straight if i can. if I have a $14,000.00 credit limit and have a balance of $500.00 I pay let's say half that balance, what does that do to my score?

I'd say if everything else is stellar, nothing. Need to raise it because you're going to re-fi the house? Pay it off and leave it off.