Paying on time is important — but it’s not the only factor that affects your credit score. One of the most overlooked details is credit utilization, or how much of your available credit you’re using. When balances rise above roughly 30%, scores often begin to decline, sometimes faster than expected. Lower balances do more than support your score. They create breathing room, improve flexibility, and give you more control over future financial decisions. If you’d like help improving your credit wi
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