The 311 Rule: The Real Credit Score Hack They Don’t Want You to Know

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“You’ve got to leave a balance to build credit.”
Nope. That’s a lie — and it’s tanking your FICO score.

In this sharp and myth-busting episode of Stacks Over Tax, credit expert Randy Lambeth lays out the exact formula for building world-class credit without paying a cent in interest.

This is the truth about how FICO really works — not the recycled fluff from social media “finance bros.”
If you’re an entrepreneur, high earner, or just sick of being penalized by the credit system, you need to understand the 311 Rule — and the reporting trick that can cost you up to 200 points if you get it wrong.

Time Indexes:
00:00 – The lie about leaving a balance
00:30 – Why FICO cares about the report date (not due date)
01:00 – The 311 Rule explained: 3 cards, 1% spend, 1 key date
02:30 – Department store cards vs major credit cards
03:20 – Ideal utilization range and $1 minimum trick
04:30 – Why paying on the due date kills your score
06:00 – Report date vs due date: the 14-day trap
07:00 – How to find your real report date
08:30 – Calendar hack to automate your payoffs
09:30 – Credit Mojo: how to track report dates and boost score

If you're done playing defense with your credit…
And ready to build it the right way — without interest, fees, or guesswork…

Visit www.executivemoneystrategies.com and take control of your financial future.
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