I currently have 3 credit cards
1. USAA- Secured 250
2. Cap 1 -Unsecured 500
3. Discover- Unsecured 1200
I have been charging small amounts and PIF before the statements are released. All cards are reporting 0 balances but my credit scores declined by two points. After reading some posts, I realized that the cards should report a balance. Does this mean that I should not pay off the entire balance before the statements are released. Should I only pay part of the balance monthly before the due date and pay interest on the remaining balance? I should know the answer, but I’m really confused.
Bad Credit Repair Attorney Reveals
Really eye opening. Thank you for uploading it.