<prompt> Human: My brother works at a car dealership and is able to request and receive detailed credit score information on potential buyers that seek financing.He told me that one of the easiest ways to raise your credit score is to pay your credit card bill about 10 days early, as these accounts are somehow reported more favorably than an on-time payment. I understand that credit utilization is part of the credit score formula, but I was surprised that early pay-offs would result in a significant bump greater than just lower utilization. Separately Chase is showing me a credit score that keeps stating I have a few thousand dollars of utilization that is inaccurate. Ive got to figure out why thats happening because its keeping my score near 776 rather than in the 800s.  <response>: Hes somewhat wrong. Your utilization is what balance you have on the statement closing date. That number has no history, its just the last reported value. So, if you are going to get a loan you can pay it off early so you have a lower utilization for that month. Otherwise it doesnt matter 