I sent a message to BBVA Compass and they said they only report in once every 3 months unless you do something bad like make a late payment, etc. So if you pay off your balance, you will have to not use that card for up to 3 months in order to get your fico score to reflect that. That's ridiculous!!
That's definitely not true, but even if it were, you could easily make the counter argument: One could report a small/zero balance, then run their card up to an extremely high utilization level and let it ride for 80-85 days, then pay it down/off right before the next [3 month] reporting.