Quick tip for today. How much of your limit you use matters a lot. If your card limit is high and your balance is close to it, that can drag your score down even if you pay on time. Try to keep what you owe low compared to your limit. Paying it down before your statement closes can help too. What is one card you want to get the balance down on?

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Quick one for yall today. True or false. Debt can stay on your credit for 7 years. A lot of people think once something hits your report you just gotta wait it out for 7 years. Is that really how it works though? Drop TRUE or FALSE in the comments. What do yall think?

Your utilization is choking your score before anything else does. If your card limit is $500 and your balance is $450, that is 90 percent used. The bureaus read that as maxed out. Get it under 30 percent first. Then get it under 10 percent if you can. Pay it down before your statement date, not just before your due date, because that is the balance they report. Do this today. Check your balance, check your limit, do the math. Drop your number in the comments. What is your utilization right now?