Discovered my utilization math was backwards after 5 years

I always thought paying off cards before the statement closed was the same as keeping a low balance, but my score sat at 690 for ages despite zero debt. Turns out I was only reporting $50 out of my $9,000 limit to the bureaus, and once I let a $1,200 balance post naturally, my score jumped 58 points in a month. Anyone else had that aha moment about statement dates vs due dates?

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