Bring balances down
Aim for under 30% utilization per card, ideally under 10%. Pay before the statement cuts, not just before the due date.
Don't close old accounts
Length of history and available credit both help. Closing an old card can hurt both.
Avoid new credit
Skip financing furniture, opening new cards, or co-signing loans until after closing.
Key takeaways
- Low utilization is the fastest lever.
- Preserve old accounts.
- No new credit before applying.
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