help me improve

[LakeLife]

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@Anonymous wrote:

Taking down your Lowe's card which is at probably 60% or so utilization will help some.  Perhaps you'd pick up 10 points from getting it back down to an ideal spot.  Outside of that, nothing but time is going to help. 

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This is great advice, but I do have one other suggestion.  You could always ask for a CLI on your Lowe's card to help push the utilization lower.  I have a low interest BT on my Discover card and was at 70% utilization on it after my last payement, but I asked for a CLI which dropped it to under 50%, so I'm sure I'll see a 4 or 5 point bump in the coming weeks.  

[Anonymous]

NRB525,

 My dad owns a Toyota dealership and my lease deals with employee cost run me rought 175-210  month on Tacoma's and if i buy even using holdback and under invoice payments on a new tacoma would be 450/mo at best and I love everything under warranty and free oil changes and services for 3 years at a time. Plus i keep my DTi lower monthly increasing my monthly cash flow.