Pro tip: that one week my score jumped 63 points and it was not what I did

Oscar Cooper · 2026-10-15T18:35:03.478446+00:00

I checked my FICO in March and sat at 641. My Chase card reported a $0 balance on the 12th instead of my usual $900, and boom, 704 by Friday. I did not pay anything off, the statement just closed before the charge hit. Anyone else get a fake jump from timing a payment around the statement date?

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Pro tip: that one week my score jumped 63 points and it was not what I did | Credit Scores - Topic Shares