Just wanted to share that lthis month I brought my credit card Util to 35% from 80% and got a 13 point boost to 625! This is totally because of this board, before I was just paying on time each month and not understanding that the utilization was what was killing me! Next month my newest (and last) credit card show start to show and I'm hoping that will give another boost as well.
In one month I've gone from 574-625! It's totally like a game of tetris, and I aim to win! Thanks for all the info so far folks
Congratulations! Are you planning to apply for a credit account soon? If so, micromanagement is very important!