I thought paying off a card early was pointless, but my FICO jumped 40 points
I always paid my Capital One card on the due date, thinking that was fine... but my score was stuck at 680. My friend in Phoenix said to pay it down right after the statement cuts, so I tried it last month. My reported balance went from $900 to $50 and my score is now 720. Has anyone else seen a big jump just from changing the timing of a payment?