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The **due date** is when you must pay at least the minimum amount to avoid late fees and keep a positive payment history. The **reporting date** (or statement closing date) is when your credit card issuer reports your balance to credit bureaus, affecting your credit utilization and score. To manage credit well: - Pay before the **due date** to avoid penalties. - Pay down your balance before the **reporting date** for lower utilization. Reporting date is usually 3 days after due date slay the day fam

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What is AAOA? AAOA is an acronym for Average Age of Accounts. It is a measure of how long you have managed credit. Your AAOA is responsible for up to 30% of your FICO score and other similar credit scores. How is AAOA Calculated? AAOA is calculated by totaling the monthly ages of all the accounts in your credit file (including closed accounts but excluding any collection accounts and judgments) and then dividing this sum by the number of accounts. AAOA Calculator | Average Age of Accounts Calculator | FICO AAOA

Free FICO Score Estimator | myFICO Where can I see the different FICO® Score versions? Which ones are offered? – myFICO Support Center Learn About FICO Score Versions and Their Uses | myFICO