Review: Best Credit Cards for Credit Utilization (Cards That Give You More Control)
You check your credit score and see an unexpected drop. The reason? A high balance reported on a …
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Myth vs. Reality: If I Pay My Card in Full, My Utilization is 0%
You’re the picture of financial responsibility. You use your credit card for everything to earn rewards, and you …
Myth vs. Reality: Paying Off Collections Clears Up Your Utilization
You finally did it. You saved up, negotiated, and paid off that old collections account that’s been haunting …
Myth vs. Reality: Closing Old Cards to ‘Clean Up’ Your Utilization
That old credit card sits in the back of your wallet, untouched for years. It’s a relic from …
Myth vs. Reality: Is a $0 Balance Better Than a Small Balance for a Max FICO Score?
You’ve worked hard to get your credit in shape. You pay off your cards religiously, and you feel …
Myth vs. Reality: Does Credit Utilization ‘Reset’ Every Month?
You had a big purchase last month. Your credit utilization spiked to 70%, and your FICO score dropped …
How to Remove a High-Utilization Authorized User Account from Your Credit Report
Being added as an authorized user (AU) can be a fantastic way to build credit. But when the …
How to Leverage the AZEO Strategy to Buy a House or Car (90-Day Plan)
If you’re planning to buy a house or car in the next 90 days, your credit score needs …
How to Calculate and Use Your Credit Utilization Ratio with Only Two Credit Cards
Starting your credit journey with just two cards? Congratulations—you’re building a solid foundation! But with a limited credit …
How to Monitor Your Credit Card Reporting Date (And Stop High Utilization Surprises)
You did everything right. You paid your credit card bill on time, in full. So why did your …