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Why does nobody talk about the 30 percent credit use line vs the 10 percent one
I paid down two cards in March and my score jumped 61 points in about 5 weeks. The weird part is I only got from 68 percent use down to 29, not under 10 like everyone says to do. Pulling my free reports showed the jump was mostly the use part, not the on-time payments. Now I'm scared to put a tank of gas on the card in case it tips me back over. Has anyone sat in the 20s and stayed there on purpose, and did the score hold up?
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