I pay a credit card a few days after I use that credit card to my credit card on line, for each purchase. So if, say, I charge $100 on the 10th, then on the 12th I will make a payment to that credit card of $100. (This part has nothing to do with FICO reports.) Then I stop using that card about a week before the date they issue the statement. What does have to do with FICO reports is that for some unknown reason my EX score suddenly dropped 13 points.
