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c/credit-advice•cora518cora518•18d ago

The credit utilization trick I had backwards for 3 years

Ngl I always thought paying my card down to zero before the statement hit was the move. Then my score dropped 40 points last March and a loan officer in Tulsa told me I was basically hiding my usage from the bureaus. He said let 10% show on the statement and pay after. Has anyone else been doing this wrong the whole time?
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