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Oct '25 (edited) • General discussion 🗣️
Charge-Offs vs. Utilization ⚖️
High utilization hurts, but a fresh charge-off can weigh even heavier.
✅ Charge-offs signal default and crush scores fast
✅ Utilization stings but is easier to fix once negatives are cleared
✅ Tackle big negatives first for faster score movement
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Charge-Offs vs. Utilization ⚖️
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