Question on AZEO/scoring

[Chazzay12]

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%. 

[Yasselife]

@Chazzay12 I don't know the answer but I wish you good luck.

[ThomasJNewton]

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@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!

[NoHardLimits]

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@ThomasJNewton wrote:

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@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!

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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.

[SouthJamaica]

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@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%. 

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It probably won't matter, but if you want it to report zero just push an electronic payment from your bank account.

[Chazzay12]

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@SouthJamaica wrote:

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@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%. 

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It probably won't matter, but if you want it to report zero just push an electronic payment from your bank account.

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This was what I was looking for. Thanks @SouthJamaica 

[ThomasJNewton]

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@SouthJamaica wrote:

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It probably won't matter, but if you want it to report zero just push an electronic payment from your bank account.

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That is what I do for cases where I cannot over pay. Capital One lets one go 10-15% over the posted amounts when one pulls a payment.

Although it is too late now, sometime Capital One's bill payment can push the payment on the same day, if one has a Capital One Checking account.