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When to apply for an auto loan?
I just lowered my credits utilization rate on all my credit cards from roughly 83% to now 43% over the past month. I plan on buying a car in the very near future (1-2 months). When will my credit report reflect my new and improved utilization rate? I want it to appear before I apply for an auto loan. Also, I plan on further reducing the utilization rate to at least a healthy 20%. Any advice would be appreciated!

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