Welcome Valerie! We're happy to have you with our community! We've got lots of resources and education available now, and even more being launched soon. We've also got daily workshops about credit, so feel free to join in as many of those as you would like! Cullen (our founder and CEO) leads those workshops, and they are WONDERFUL. Whatever questions you've got about credit, he'll get you those answers!

Hey Crispin! Welcome to the community! Just so you know, there's a workshop every day (some even on Saturdays!) so if you have credit questions or want to understand a particular credit factor's impact on your score, be sure to join in! Also, we have got tons of resources and education available now, and even more being launched soon. We're happy to help get you whatever you need for your success!

Welcome Lakeshia! 👋 We're happy to have you join us! We have all kinds of resources and tools available for you, and we also have daily credit workshops available if you'd like to join in! And if there's something you're looking for that we don't have, please let us know and we'll be happy to get it for you!

The statement date and the date your current balance is reported to the credit bureaus is typically the same date. I'm looking at one of my credit cards as an example. So my Discover card reported to Credit Karma on 3/9/2026, and my statement date was also 3/9/2026. My last payment on that card was 3/14/2026, paying that month's balance in full. Since I paid the balance after the statement date, that amount is still visible on my Credit Karma, so it still looks like I'm using 10% of my card balance, even though it is technically paid off, and likely won't update on my credit until the 9th of next month.

HECK YES! Get it, Mark! Great job!!! 👏👏👏