Looking for Equifax-based 0% funding options 👀 My current Equifax VantageScore is 733. Current profile: • 733 Equifax • 100% payment history • 0 derogatory marks • 0 hard inquiries • 32 total accounts • Credit age: 3 years, 11 months • Utilization is currently HIGH at 54% — I know this needs to come down before applying My goal is to secure approximately $20,000 in 0% introductory APR funding to invest in a business mentorship. For those who know the Equifax funding game: What cards/banks/credit unions would you target with this profile once utilization is paid down? Also, what utilization would you recommend I report BEFORE applying — under 30%, under 10%, or lower? I’m specifically looking for lenders that are known to pull Equifax and offer strong starting limits + 0% intro APR periods. I’m not trying to shotgun applications. I want to build the smartest application sequence possible and maximize my chances of reaching $20K with the fewest inquiries. What would you do?