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10% use + on time payment = lower score?
First, I got dinged last month for not using my 2 cards. I pay on time when I do use them. I decided to use 10% of my available credit this month in the hope of minimally increasing my credit usage. Instead of increasing my score, it just got lowered by 22 points! Why? I'm trying to increase my score so that I can get a good car loan in a few months. I'm trying to follow advice and feel at a loss.

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