https://youtube.com/clip/UgkxwiAWdbmhIbjSXJaKl-BxrEZ-b64FDI7z?si=P5yrBX6lFqykj-15

A lot of y’all don’t need a miracle…You just need to pay those balances down. 📌 Keep it simple If your credit cards are over 30%, your score is going to drop.If your credit cards are under 10%, your score is going to rise. That’s it. Most people don’t have a credit problem they have a balance problem. Start paying those cards down now so you can walk into 2026 with approvals instead of denials. Drop PAID DOWN in the comments if you’re working on it this month.

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