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Ndegraff

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Credit utilization
I'm new to karma but have a question about credit utilization. My report on karma shows a C for utilization. I try to pay off my credit cards each month. I don't understand but this seems to be hurting me some how.

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Most scores give 35% contribution for credit utilization. People claim a 30% util to be the best but I would say 15% and the lower the better, but don't go for 0%. 0% is inactiveness that causes your account to be closed by most grantors after 12 consecutive months.

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