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Will paying card down to less than 30percent raise score
Score dropped 27pts in. Month due to using most of my credit on one and only card . If I pay it down to where I'm only using 30% of available will it. Ring it back up me how long should that tKw ?

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Credit utilization

Short answer:  Yes.

Longer answer:  The ideal percentage to work for is 7%.  That seems to be the magical number.  Credit Karma has a score simulator for paying off cards (though I don't think they have a pay down option.)

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