Re: Maximum points.. help
10-27-2012 10:20 AM
You want to pay Before the statement date. Every cc reports a bit differently but many report balance on statement date or a couple days after. I'm also a bit confused by your due dates and statement dates posted. All of your due dates listed are before the statement dates. Or are you saying you have 26-27 days to make the payment? That seems a little long to me so you might want to check those dates again.
but assuming all the dates are correct and the balances reporting to the cra's are all $0 with one at 5-7%, the only thing I can suggest is to play around a bit with the % reporting. Some ppl claim bigger jumps at just 1%. .... Or 3%. Even up to 9%. However, if you only have a couple months, you don't have much time to play around with percentages. Hopefully someone can come along and tell you what the perfect percentage is for you (though 5-7% seems to be pretty good).
lastly, are you saying you're getting 12 pts per month doing this? If so, that's excellent! I only get one point every two months letting 1% report.
672 (7/2012) EQ. 681 (8/1/12) EQ
Current FICO 682 (10/13/12) EQ; 718 (10/13/12) TU
Goal: 760+ but 700-720 by jan 2013
No new apps tll jul 2013