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Credit scores increase when low utilization is reported. To do this follow these steps: 1. Find out when your credit card statement cycle topically closes (you can do this by calling credit card company and asking a rep when it typically closes, or by looking at a credit recent card statement date for the last statement closing date or look on your SmartCredit report under score boost and best pay down section. 2. Calculate 10% of credit card limit(ex: if your chase Freedom card has a limit of a
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