Okay, so. I have practiced AZEO as a good habit since joining the forums about a year ago. I'm currently going through mortgage process and hopefully will be under contract anytime (I have an offer in now one on 🤞)
Now, I just used my discover card with my statement about to close without thinking, and it may report a small balance (like $20) along with my cap1 that is also reporting a small ($20) balance. Will this affect the AZEO "boost" I get? Am I understanding that right?
Even if I lose a few points it shouldn't matter for the mortgage. My reporting utl will still be like 1-2%.
Starting Score: 580s
@ThomasJNewton wrote:
@Chazzay12 wrote:
Now, I just used my discover card with my statement about to close without thinking, and it may report a small balance (like $20)
It may or may not report, but I would at least try to make a payment to the card if you can. Good luck!
Discover's online payment process does not allow payment until a charge actually posts (no longer in a pending status). This just happened to me last month. An annual streaming subscription fee was charged two days before my statement cut. I couldn't make a payment on the website until the charge officially posted. If it's important, one could consider "pushing" a payment from your bank account's bill pay service.
@Chazzay12 wrote:Okay, so. I have practiced AZEO as a good habit since joining the forums about a year ago. I'm currently going through mortgage process and hopefully will be under contract anytime (I have an offer in now one on 🤞)
Now, I just used my discover card with my statement about to close without thinking, and it may report a small balance (like $20) along with my cap1 that is also reporting a small ($20) balance. Will this affect the AZEO "boost" I get? Am I understanding that right?
Even if I lose a few points it shouldn't matter for the mortgage. My reporting utl will still be like 1-2%.
It probably won't matter, but if you want it to report zero just push an electronic payment from your bank account.
@SouthJamaica wrote:
@Chazzay12 wrote:Okay, so. I have practiced AZEO as a good habit since joining the forums about a year ago. I'm currently going through mortgage process and hopefully will be under contract anytime (I have an offer in now one on 🤞)
Now, I just used my discover card with my statement about to close without thinking, and it may report a small balance (like $20) along with my cap1 that is also reporting a small ($20) balance. Will this affect the AZEO "boost" I get? Am I understanding that right?
Even if I lose a few points it shouldn't matter for the mortgage. My reporting utl will still be like 1-2%.It probably won't matter, but if you want it to report zero just push an electronic payment from your bank account.
This was what I was looking for. Thanks @SouthJamaica