The Credit Game podcast episode from AlgoritmoCredit.com explains a crucial factor in credit scores: the "secret picture" taken monthly by banks. This snapshot captures the balance owed on your credit card on the statement closing date. A high balance at this time can negatively impact your score, while a low balance suggests better financial control and can boost it. The episode advises listeners to discover their closing date and pay down balances before it to optimize their credit scores, as credit bureaus only see the balance on that specific day.
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