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Old Oct 8, 2015 | 1:55 pm
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sexykitten7
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Originally Posted by pairofkeets
BoA has been marking my bills as unpaid, despite me not owing anything.
Some banks won't report at all if the acct is dormant. This is very different from a derogatory mark. I highly doubt BoA is reporting "unpaid."

Originally Posted by pairofkeets
Sometimes the statement balance is also negative. Is this a bad behavior, credit score wise?
Common wisdom dictates that lower util is better than high util. But paying down all credit cards mid-cycle can lower your score since it looks like you're not using your revolving credit responsibly (that is, at all). Link
Last edited by sexykitten7; Oct 8, 2015 at 1:57 pm Reason: Better link.
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