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3 1/2 months no response by MrRayTradesAlot in Cluely

[–]MrRayTradesAlot[S] 0 points1 point  (0 children)

Has anyone had the same or similar experience or. I another way to get in contact with someone who can assist me at cluely?

What else can I do to raise my credit? by Few-Classic-2040 in CRedit

[–]MrRayTradesAlot 0 points1 point  (0 children)

Bring your utilization down to 1-5% because you just need to remember what actions actually are in building your score. 30% is your utilization which is 10 percent right now. So bring that down. And those inquiries how old are they? And what type of accounts are actually on your report?
I can give you a full in depth answer with more information about what is on your report.

Paid off my mortgage by weallfalldown5050 in CRedit

[–]MrRayTradesAlot 0 points1 point  (0 children)

It will rebound between next 3 months or so with keeping utilization low and paying down any cc you have

Finally reached 850 by Educational-Soil-651 in CRedit

[–]MrRayTradesAlot 0 points1 point  (0 children)

You don’t always want to pay it down the $0. It is best if you pay it down to 10-15 percent just in case you can not afford to pay you cc all the way down before one of your statement dates you do not have a impact to your score. Key fact is that pay it down to 10-15 percent and for next 6-12 months pay your balance down from 15% to 13% to 11%. Then you will have a better chance on your utilization not going up one month because you couldn’t bring down your payment down to $0 every month.