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Should I pay half a large balance this month before I get my CC statement?
From what I have heard on Clark Howard if you pay your balance off before the statement's closing date it will help your utilization score.  He has had callers confirm this but I don't have first hand knowledge for this to be true.   Also this will take two months to make the difference.  So it will be boarder line if you will get the benefit in time.   Sign up for credit karma if you like.  You can get suggestions on how to help your score.