Changing from PIF Before Statement to After Statement Cut

[Anonymous]

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@Dmessina666 wrote:

Funny you post this. I just posted about AZEO and PIF. IMO, lenders want to see balances report. I've always PIF before statement cuts, and I switched up literally last week. I'll let you know how my scores react. I'm going from AZEO to letting 8/13 accounts report a balance. No crazy amounts, and it won't hurt me utilization wise since I'm at 6% aggregate right now. 

I honestly think it's going to improve my scores, and also up my chances of getting CLI's easier and more often. I guess we'll see. Good luck

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I've always let my balances report, and after an aged profile with no negatives, it certainly doesn't hurt me. I even have a card reporting at 57% utilization and my scores are still well above 800. Of course its profile dependent and overall utilization is a big factor, but I never worry about what size balance reports. If you are not at this point yet, you will be over time.

[Anonymous]

@Dmessina666 Ok I'd love an update.

I left a 300ish balance on my Apple Card as well as reporting a balance with Chase. Small steps haha. My main thing is making sudden changes by switching to PIF after the statement spooking the lenders.

[NRB525]

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@Anonymous wrote:

@Dmessina666 Ok I'd love an update.

I left a 300ish balance on my Apple Card as well as reporting a balance with Chase. Small steps haha. My main thing is making sudden changes by switching to PIF after the statement spooking the lenders.

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With your cards and lenders, allowing regular usage balances to report isn't going to spook them. 

[Anonymous]

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@NRB525 wrote:

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@Anonymous wrote:

@Dmessina666 Ok I'd love an update.

I left a 300ish balance on my Apple Card as well as reporting a balance with Chase. Small steps haha. My main thing is making sudden changes by switching to PIF after the statement spooking the lenders.

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With your cards and lenders, allowing regular usage balances to report isn't going to spook them. 

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Was going to say with OPs overall CLs, reporting balances won't hurt, even if one or two cards report over 1K at the same time.