Log In

Your email is not your username

Register

If you were a member of the old Bodybuilding.com forums and would like to reuse your previous username, you can request it below. We use your email only for registration and do not store it. For more information, please see our Privacy Policy.

Confirm your email

A registration code was sent to your email. Enter it here.

Welcome

You have successfully setup your account.

Sign in

Quick Navigation Bottom Misc
Forum » FICO/credit question?
  1. Results 31 to 34 of 34
  2. Page 2 of 2
  3. First
  5. 1
  6. 2

Thread: FICO/credit question?

post 1632881283 03-03-2021, 08:12 PM
-
#31
  1. DizzySmalls
  2. Fast Misc
  1. DizzySmalls
  2. Fast Misc
  3. Join Date: May 2012
  4. Location: United States
  5. Posts: 23,894
  6. Rep Power: 82068
Originally Posted By rectifryer⏩
Right.
You are blatantly wrong

https://www.creditkarma.com/credit-c...edit%20bureaus.

Anyone with any sort of monitoring (i.e. pretty much anybody with a credit card) would know this, unless you pay wildly early before due dates every month.
post 1632882433 03-03-2021, 08:28 PM
-
#32
  1. muscle beast
  2. Registered User
  1. muscle beast
  2. Registered User
  3. Join Date: Oct 2006
  4. Posts: 6,194
  5. Rep Power: 29984
- Didn't read any of the above replies
- DO NOT have a $0 balance on ALL cards
- Pick ONE card and carry a 4-8% balance on it at all times (can switch different cards) but make sure you only have 1 card reporting a balance at a single time

This is the best way to optimize your credit when you need to lease/mortgage or some siht.

Of course it's not that serious and in general keep your single card and overall utilization < 10%, but if you want to maximize your score for a short period of time, do the above
post 1632909873 03-04-2021, 07:41 AM
-
#33
  1. Vhagar
  2. Forever Santa
  1. Vhagar
  2. Forever Santa
  3. Join Date: Dec 2012
  4. Posts: 34,158
  5. Rep Power: 456085
Originally Posted By DizzySmalls⏩
You are blatantly wrong

https://www.creditkarma.com/credit-c...edit%20bureaus.

Anyone with any sort of monitoring (i.e. pretty much anybody with a credit card) would know this, unless you pay wildly early before due dates every month.
Every monitoring I have reports what my statement balances show. There is no random reporting date for credit cards. It’s the amount on the statement.
post 1632910283 03-04-2021, 07:47 AM
-
#34
  1. DizzySmalls
  2. Fast Misc
  1. DizzySmalls
  2. Fast Misc
  3. Join Date: May 2012
  4. Location: United States
  5. Posts: 23,894
  6. Rep Power: 82068
Originally Posted By Vhagar⏩
Every monitoring I have reports what my statement balances show. There is no random reporting date for credit cards. It’s the amount on the statement.
If you pay your statement balance on the due date, you will pay no interest but the agencies will reflect a balance/utilization
Quick Navigation Top Misc
Bookmarks
Digg.com
Digg
del.icio.us
del.icio.us
Stumbleupon.com
StumbleUpon
Google.com
Google
Facebook.com
Facebook
Posting Permissions
  1. You may not post new threads
  2. You may not post replies
  3. You may not post attachments
  4. You may not edit your posts