Seems like a dumb system if a significant part of the score is able to be gamed like this.
Two people with the exact same ability to pay will have different scores just based on the timing of their payment. Even if the both pay of balances in full each month? Is that what you're saying


>But with
>utilization it’s calculated every month - so if you have
>credit card accounts and pay them off before the statement
>date to get your utilization down to zero it will boost your
>score. (Insert disclaimer about only using credit cards if you
>a responsible enough to pay them and to not carry a balance.)
>Even if you are currently paying them off every month, if you
>pay after the statement date, before the due date, the
>statement balance counts against your utilization. So for
>example if you have one credit card with a 1000 dollar limit,
>and the due date is the 1st of the month, the statement date
>might be a couple weeks before that. If you charge $500 on
>your card, and pay it on the 25th, before the due date, you
>are paying after the statement date and you utilization is at
>50% which is not good for your credit score. If you paid it
>off on the 14th before the statement date, your utilization
>would be zero percent.