>>>but our bank doesn’t report so our’s changes according to how much we charge on the CCs every month but it stays in the 800s.
If it changes according to how much you charge, then it’s likely that your bank reports.
Problem is they report when the bill is sent - when your balance is highest.
It’s the balance to limit ratio that matters - dollar amounts don’t. Your score will be highest if you pay the card down and wait 30 days - so the balance reported is still low.
If someone was preparing for a major purchase and wanted their score to be as high as possible, this would be the basic strategy as far as credit cards.
I know it doesn’t report, some months we just spend a lot on business expenses so it changes for the percentage of our available credit that we use. We live in a small town and don’t have access to a lot of things and have to use the internet. We do pay in full every month though.