How do i find out when cc's report?

[jsucool76]

You only really need to do things like that if you plan on applying for something. If you're not applying for something you don't need to carry a balance, but it's usually best from a FICO perspective to have one card report a balance of 1-9% and have the rest of your cards report a $0 balance. 

[Legions36]

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@trumpet-205 wrote:

Well, all of my CCs are due on the first or second day of each month. Statements for them are cut on the fourth or the sixth.

So what I do is simply pay down the balance last week of each month to keep the statement balance low.

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I see, will give that a go. Also what would be the best system to go about checking reports every week or so? I only used the trial of myfico and cant remember how it works. I will need to be able to check reports weekly so i can play around with this, but i do know most of my bills are due towards the end of each month. 

[creditnocash]

if you have excel or a spreadsheet progam use that. 

this is what i did and set it up like this 

name of account   limit   balance   due date   statement date  open date   age date

and i usually update it when needed. 

this way it keeps track of all my accounts (with my input of course)