Your credit utilization makes up 30% of your credit score so it's important to keep it low. If you can't afford to lower your utilization before your statement date ( the date when the balance actually reports to the credit bureaus) balance transfer the amount owed on a card with a later statement date then transfer it back after, so your utilization posts at 0

We get real results from real people I was a deadman walking when it came to my credit Before working with Ruben I was at 460 credit score, 1 year after working with him he has gotten me back up to 740 can’t begin to thank him enough for giving me that peace of mind

If you’re repairing your credit, avoid these mistakes they can slow or even reverse your progress: 1. Don’t run your credit or open new accounts – Hard inquiries can temporarily lower your score and delay your repair. 2. Don’t cancel your IdentityIQ account – You need it to monitor disputes, track progress, and catch errors early. 3. Don’t miss payments or add new collections – Late payments and new collections can undo months of work.