i hear this question a lot and have done some research on it over the years.

Credit scores are typically affected by the balancing being 50% or more of the credit limits on revolving accounts. Credit reports have now added trended data to the reports. It shows how much of what you owe is actually paid.

Some people pay off the cards and run the balance up so it reports as if you are utilizing close to 100% of the capacity even though it is paid every month. This is now being utilized by Fannie Mae to make a decision on credit but not your score at this juncture.

I suspect when the credit companies update their algorithms this will be added but for now you should try to make the payment a few days prior to the next statement coming out. The reported balance will be much lower this way and the difference is 2 or 3 days.
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