JUST UNDER A MONTH ago I posted about my experiment with my credit score. I paid about 1/3 of my AmEx bill in advance mid-month then the rest on time. I made a loan payment such that my six-month experiment loan will be paid back in four months. I’ve since learned that the credit card info is reported as of its due date. Instead of prepaying part of the expected bill, it looks like I can simply pay the amount in full a week early and get a better result.

You can see from the picture that the score has increased from 773 to 778. The notes at the bottom indicate the same issue(s) as before. I’ll be curious to see what happens over the next four months. I guess I have to be patient.