Building Credit by low CC Balance….X2 Question

Same Post, but no replies…..may I get a reply….i’m sitting at 599 at my mid-score and trying to get it over 620 to qualify for a home……

 

I have two CCs and for once excitedly paid them down to a $0 balance.  But on the closing date, they both billed the monthly charges, so I can never have a $0 balance reported on my CRs.  Is there a way around this?  I know that it’s only 3%, which isn’t bad, but wouldn’t my scores be better if it was reported at 0-1%?