💡 The Utilization Trap Most People Miss · LetsGetFunded Starter (Free)

👑

💡 The Utilization Trap Most People Miss

You’ve probably heard “keep your credit card usage under 30%”, but that’s just the surface.

Here’s what most people miss: Lenders don’t just look at your total utilization. They zoom in on each individual card.

You could be under 30% overall… But if even one card is maxed out? Your profile still throws up red flags.

Here’s how to avoid the trap:

✅ Keep each card under 10% if you can

✅ Track your statement date (that’s what reports to the bureaus — not your due date)

✅ Ask for a CLI (credit limit increase) to lower your utilization instantly

✅ Don’t let big balances report — even if you plan to pay in full

🎯 While you’re fixing utilization, don’t forget the other red flags lenders hate — like excessive inquiries.

Check out this recent inquiry deletion win from our team all within the last 48 hours... Just a sneak peak, but we have more receipts! 👀

🔥 Want help optimizing your file the smart way? Join the Inner Circle and get full support + done-for-you clean-up!

6 comments

skool.com/lpf

The #1 Team and System to strengthen your credit, fix your credit, and get access to large business funding approvals to grow or start your biz. 💰🚀

Leaderboard (30-day)

+138

🔥

+113

+77

+77

+60