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  1. I have been trying to figure out what the credit bureaus want to make them happy. Seems if I have a small balance on my CC, they ding me, I pay if off, they ding me. I can't win no matter what I do. As a rule, I pay off every credit card, every month. I always thought paying off the balances was best. Then I found out that if I didn't leave a balance, it was as if the card wasn't used. In fact, after not using one for a few months, they said something about the card being dormant? 1. Transunion dropped my score 6 points due to a $22 balance on one card 2. Eq
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