A: If you pay off your credit card every month the credit bureau will report that you made your payment and you are satisfactory. However it is going to report back every 25 to 30 days where you are with your credit at that moment. Meaning how much credit you have used, your credit limit and your mortgage at that point. If you are at 60%, 70%, 80% or higher it will only hurt your credit score. Find the date that your credit card reports to the bureaus and whatever date that is try to get the balance down to 20%. That will make your credit score skyrocket!