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So my credit report is getting better biggest thing right now is high utilization but am working on paying that down realistically I can only do so much every month . My credit is still not good enough to get any loans to pay it my question is what do I start to do to have a higher score. I don’t have the option of going on someone else’s card I don’t have a home loan it’s paid off I don’t have a car loan it’s paid for only one card $500 limit I went from high 400s to mid 500s in one cicle but once negatives are gone it will be almost blank report

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