From Bankrate.com: http://www.bankrate.com/finance/c...-score.asp
I like this secret:
"If you're determined to keep your utilization rate at an all-time low, here's a little secret courtesy of John Ulzheimer, president of consumer education at SmartCredit.com. Pay off your credit cards before the statement's closing date rather than the payment due date. That way, an issuer will report a zero balance to the credit bureaus. Issuers typically report the balance of the last statement to the credit bureaus."
I usually pay the bill when the bill shows up; I guess a few days early (before the statement closing date) is a great move in terms of FICO enhancement.