Oh yes, I completely learned that credit is game and refer to it as such! Now that I know the rules, I feel empowered and more in control.
@BrooklynDripIt seems you are on it! You know what has to be done in the "game" of credit. From my seat, it is a game!
Keep working the system and you will get the utilization down. Floating around on the Forum is a number of 8.9% as the ideal max for reference.
Up 10 points from 1/25/21 - 2/25/21 (638 -> 648). Only changes: another month of on-time payments and started practicing AZEO. I also just paid my second and final charge-off, so we'll see if I get a bump from that. (Experian appears to be counting that balance against my available credit, so, maybe!) I may apply for the Discover secured card soon... I'd prefer to have a non-secured card, hate tying up cash that way, but the only offers I've been getting are from banks that charge a really high annual fee. (Read: Credit One.) I'm wondering if this C/O going to PIF might allow me to get a higher quality non-secured card - does anyone have any experience with this?