9d • General discussion
⭐ CREDIT TIP OF THE DAY
“Your score isn’t low… your reported balance is.”
Most people think their credit score is low because of “bad credit,”but the truth is way simpler:
Your score is based on the balance that reports… not the balance you actually have.
Meaning:You could pay your card in full every monthand still have a low scorebecause the bureaus saw you at your highest balance.
Here’s the play:
- Check your card’s statement date
- Pay your card down 3–5 days before that date
- Let only a SMALL amount report
- Pay the rest after it posts
This one timing shift can be worth 20–60 points,and it’s one of the easiest wins for people with low scores.
Simple rule:
“Pay BEFORE it reports, not before it’s due.”
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⭐ CREDIT TIP OF THE DAY
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