this post was submitted on 15 Feb 2024
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Try paying it off before it hits the bill. I bet you can squeeze a few points out of it. A friend and I both do that and I've been at 804 since summer and his sits between 810 and 815. Although in truth there's no real difference between your lowest and my friend's highest in terms of what interest rates you'll get.
Every time I've done that it seems to tank my score by like 10 points. No idea what that's about, the whole system is so convoluted its hard to tell what really makes it go down when it does sometimes.
It's fucking weird for sure. If it works for you, do it.