Congratulations on your success.
@Anonymous wrote:My question is does it matter which CC I leave a 9% balance on?
Preferred is a bank card, not a store or charge (AmEx) card.
@Anonymous wrote:I'm also a little confused on when I PIF? If PIF by my due date there is no interest charged right?
PIF on or before statement due date. Allow the time needed if pushing or pulling payment. Allow time needed if trying to zero out the card.
Correct, if you are not carrying a balance, no interest should apply.
@Anonymous wrote:I have been reading so many posts here and I just wanted to say thank you. I've been focused on paying off my debt for 2 years and am hopefully about a month away from getting my 1st mortgage at the young age of 43 lol. Using what I have learned from your posts I have gone from a low 500 to mid 600. I am patiently (read checking every day) waiting for my new CC balances to post. I have 11 cards and have brought 6 to a zero balance. I PTD 13 medical collections. All 3B have deleted 12 of them. Equifax is still showing one but showing it as paid but the other 2 deleted it. I'm not sure why but I'm calling it a win. I have a student loan and an auto loan. I have 100% pmt history. I am set to be AZEO by next week. I want the best DTI I can get. My question is does it matter which CC I leave a 9% balance on? I'm also a little confused on when I PIF? If PIF by my due date there is no interest charged right? Sorry if it's a question asked a million times I just don't wanna screw this up.
You can PIF anytime between the time the statement cuts and your due date.
If you are letting a balance report on a card that reports the balance as of the date it reports instead of statement balance (US Bank is one example that reports end of month and current balance, not statement balance) you'll want to make sure that you wait for the bank to report to CRA's before making a payment (as long as that occurs before due date).
Incase there is some confusion, you don't have to let 9% report; you just need a balance to report that is less than 9% of that cards limit for AZEO to work.
Congratulations on your progress. It sounds like you've made great progress towards home ownership being a reality!
The discipline you've learned in managing your cards properly will both set you up well for a mortgage (not sweating a bunch of payments each month) and help you maintain your finances properly for long-term success. Congrats on learning those lessons and sticking with them. It's about to pay off big for you 
@Anonymous wrote:The discipline you've learned in managing your cards properly will both set you up well for a mortgage (not sweating a bunch of payments each month) and help you maintain your finances properly for long-term success. Congrats on learning those lessons and sticking with them. It's about to pay off big for you
Thank you so much that means a lot!