Credit utilization matters more than most people realize. It’s the percentage of your available credit you’re actually using, and it can make or break your score. Even small balances can hurt if your cards are close to maxed. A good rule of thumb? Keep each card under 30% utilization (lower is even better). Want to know how your utilization specifically impacts your credit score for a mortgage approval? Reach out to me and I’ll walk you through it. 💌tanderson@stockton.com Tyra Anderson|Mortgage
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