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Member Since: May 2014

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Credit card utilization and your credit score

Jan 11, 2015

I completely agree. I have 0% utilization for years now and still have a C. I'll take the C on my score. In my mind having no debt is an A+. It means I have the cash on hand to psy cash for what I need. I can't understand why the credit bureaus find this a negative thing.