🚨 Most people don't have a credit score problem... they have a credit utilization problem. Here's a simple rule: ✅ Under 30% = Better ✅ Under 10% = Even Better Example: Credit Card Limit: $1,000 ❌ $850 Balance = 85% Utilization ✅ $90 Balance = 9% Utilization The goal isn't to carry debt... It's to show lenders you're responsible with the credit you've been given. 🎯 Today's Action: Comment below with ONE of the following: 💳 "Under 10%" 💳 "Under 30%" 💳 "Over 30%" (No judgment. Let's see where everyone stands.)