Credit utilization: the fastest legal score hack
Utilization can swing your score 50+ points in a single statement cycle. Here's how to time it.
Utilization is the percentage of your revolving credit limit you are using. If you have a $10,000 limit across your cards and a $3,000 balance, your utilization is 30%. FICO and VantageScore both treat utilization as a snapshot taken on the day the statement closes — not the day the bill is due.
That timing matters. You can pay your card in full every month and still have high reported utilization if you let big balances sit until the statement cycles. The fix is paying the card down to under 10% BEFORE the statement closes, not before the due date.
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