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Following Credit Utilization advice actually dropped my score
When my Credit Utilization was 0%, my Transunion score was 735 and my Vantage was 767. CreditKarma told me that getting my Credit Utilization between 1% - 20% would increase my score, so I used a little bit of my cards and got my Utilization to 5%. This actually made my Transunion score drop to 734 and my Vantage drop to 753. What gives?

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