Tool · Utilization

Utilization & AZEO Paydown Planner

Your card balance is reported to the bureaus on the statement closing date — not the due date. This planner shows how much to pay before it closes so a low balance is what gets reported, plus a step-by-step AZEO plan. Everything runs on your device — nothing is sent to us or saved.

Use this in the few days before your statement closes.

Plan your paydown

One card / overall

Enter your total reported balance and total limit. Target is the utilization you want to report (under 10% is the sweet spot).

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Why this works

Timing beats everything

  • Bureaus see the balance on your statement closing date, then it sits there ~30 days.
  • Paying before the statement closes lowers the number that gets reported — paying by the due date is too late for that cycle.
  • Under 10% reported utilization is the target; AZEO (all cards $0 except one small balance) is often strongest.
  • Keep doing this while we handle your disputes. Lower reported utilization generally helps — results vary.

Educational tools only. Results vary. FundFoundr does not guarantee score increases, approvals, or removal of accurate information. These tools do not replace personalized financial, legal, or lending advice.