Hard Truth: Your score’s stuck because bureaus snapshot balances on the statement closing date, not the due date. Timing beats effort.
Promise: Follow this exactly for 7 days and most folks see a noticeable lift next reporting cycle—no disputes, no new debt.
Why you’re stuck (and how we unstick it)
Reporting happens on the statement closing date.
Paying after the statement cuts interest but not the reported balance.
Fix: AZEO timing (All Zero Except One).
Step 1 — List your cards (5 min) Use this quick table (we’ll align it in a code block):
Card Limit Bal Close-Date Due-Date CapitalOne 1000 420 ?? 15th Discover 500 130 ?? 10th
Step 2 — Pick your “Except One” Keep one card at $5–$15; all others $0 before close.
Step 3 — Calendar the move Create events 3 days before each closing date: “UTIL DROP.”
👉 Want the exact timing schedule, issuer call scripts, and a 7-day checklist? Unlock This Week’s Win