Comment on Anon tries to understand credit scores
ricecake@sh.itjust.works 1 week agoI’m pretty sure they see everything, but the way it’s chunked up can create artifacts. Balances are tabulated monthly, but they also see your payments. A higher balance means higher utilization which lowers your score. Paying early counts as a history of on time payment and lower utilization, which is good for your score.