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dees- I suspected that the balance reported to the credit bureaus was the monthly closing balance as reported on the statement. In an effort to manage utilization, I sometimes submit a payment before the closing date so the balance report maintains acceptable utilization ratios. Think it works ?

Credit Karma will not improve your credit score one iota. You must actively manage your own financial life. The advice offered here is sensible and if followed generally increases a credit score in my experience. 

I have financed 4 or five automobiles in the past 10 years with Bank of America. They have consistantly beat competitor's rates at the new car dealer. Probably Bank of America evaluation algorithms recognize that I have no missed payments on more than $100k in loans. Good rates; Clear Monthly Statements; Online Options.