@Anonymous wrote:
i started making sure that my cards report -0- before the statement closing and as a result, my score went up from 782 to 812......i have been doing this for the last 6 mths......i have read tons of articles that says paying your balances off in full before the statement closing date helps raise your credit score....i do not agree that doing this could result in "a possiblilty" that your credit score will go down....certainly had the opposite affect in my case.
it is not needed to stress with micro managing your accounts if you do not app for anything. I just did it because I applied for two new cards but will let my balances report again until next year. There is no need for me to watch my score every month...what for? Fico does not have a past memory and as soon as you PIF to 0 when you need it the score will go up again. Just make sure you never miss a payment and avoid maxed out cards.
