Quote Originally Posted by alexsmith View Post
So about a year ago, I had a score around 670. I spent all year making on time payments and paying off the statement balance while staying below 30% utilization on my credit card. I got my score up to like 716. This past month, I decided to go over 30% utilization buy using a airline/travel expense on the CC and then I just did the minimum payment of $40 since I’m in the 0% APR window. Is that basically what got me?
get a business credit card for alexsmith sole prop so you don't ruin your utilization