[alexsmith]

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?

[abfunders]

You did nothing wrong. As long as you will definitely be able to pay it back and you're just utilizing the free zero APR., as soon as you get the card on the 30% you should be back over 700. Credit card utilization is the easiest thing to fix when it comes to your credit score, the hardest thing to fix if you don't have the money to do it.

[Michael I]

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