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Question By
Tenyuushinjo

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My credit utilization never matches the actual balance even after month. lowering my score greatly

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Top Contributor
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Because credit card companies generally only report once a month, and its the balance on that date and that date only being report to the Credit Bureaus. If you don't your utilizations to be affected? make another payment before it reports which is usualy on the statement closing date. If you max it out on the day after it report, it won't affect your score one bit, if you pay it after it reports? it won't change your score for the better either until next time it report.

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