@Flex1 wrote:
Thank you for the advice. I usually charge something and then immediately pay it off before its due. I'll let a few small balances report and keep you posted and on any changes
Not a few... just one. "AZEO" means "All Zero Except One." If you charge something that's say $100, immediately pay off $95 of it and leave behind a $5 balance to report at the end of your statement period. As soon as that $5 reports, you can pay off the $5 (plus any other charges if you have them). You won't ever pay a penny if interest if you do this.
It's also worth noting that while implementing this strategy to bump your score up to 800-810, it isn't really necessary since your score is already top-notch in terms of what lenders like to see. You could do it just for fun though (that's why I play around with AZEO at times) to see what you can max your score out at. It's also not a terrible idea to do even if your score is already high prior to an application just to give your score the best possible look and additional peace of mind.
