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Likee fans @likeefans added blog in Personal finance
2025-08-09 21:06:38 ·

The Importance of Keeping Credit Utilization Below 30% for Optimal Credit Health

Credit utilization—the ratio of your credit card balances to your credit limits—is a critical factor in determining your credit score. Financial experts consistently recommend keeping credit utilization below 30% to maintain a strong credit profile. This article explores why this threshold matters, how it impacts your credit score, and strategies to manage it effectively....

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Likee fans @likeefans added blog in Personal finance
2025-08-09 21:26:40 ·

The Impact of Hard Inquiries on Your Credit Score: How to Avoid Excessive Credit Applications

When applying for loans or credit cards, lenders typically perform a hard inquiry (also known as a hard pull) to assess your creditworthiness. While a single hard inquiry may have a minor impact on your credit score, multiple hard inquiries in a short period can significantly lower your score and raise red flags for lenders. This article explores why excessive hard inquiries...

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