To be clear none of this helps FICO scores over time. It doesn't matter as long as you never pay less than tbe minimum, never pay late, and never miss a payment.
FICO scoring long term is tbe abscense of negative information.
What SJ said though was correct, AZEO is instant in time optimization for when you are planning for an application and putting as much lipstick on the pig as possible.
Vis a vis my own payment adventure this morning where I zeroed out my Amazon and paid down tbe CFU to $15 because at some point I'm going to get another mortgage pull or two and may be this month so need to be pretty.
