<prompt> Human: I read somewhere to pay half the balance on day 15 ish of the pay cycle and the other half at the end of the period day 28-ish. After doing this once my score went from good to very good, a 15 point increase. The following month NOT doing the trick, it went down 4, what gives?Does this trick actually work?? Or is that coincidence?  <response>: Utilization what percent of maxxed you are went down for that month. It works, but its really not worth the effort the consciously do this month to month when youre best score comes from a long history of paying on time. 