13d • General discussion
**Credit Tip of the Day:
Your Score Isn’t Stuck — Your REPORTING Is.**
Most people think their low score is because of “bad credit,”but the real issue is usually timing, not the number.
Here’s the play:
🔹 Your balance gets reported on your statement date, not your due date.
So even if you pay your card off on the due date…the bureaus already froze your high balance earlier.
That’s why your score stays low.
🔹 The fix is simple:
- Pay your card 3–5 days BEFORE the statement date.
- Let a small amount report (no more than 5–10%).
- Pay the rest after it posts.
Same money.Better reporting.Cleaner data.Higher score over time.
Most beginners don’t need more cards —they just need to fix their reporting cycle.
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**Credit Tip of the Day:
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