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Credit utilization question

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hautemama
Regular Contributor

Credit utilization question

Hello, I am trying to rebuild my credit and wanted to know what the ideal is?  I've heard some say 35%, 30% or 25%.  Which is it?? And is it better to use card and PIF each month, or keep a balance?  Any input is greatly appreciated.

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Bleety17
Regular Contributor

Re: Credit utilization question

you want your utilization to be between 7-9 percent. Pay all but one of your cards in full and leave one with a small balance.

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