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So you finally got a credit card (or a few), you’re making your payments, and you think you’re doing great. But then you check your credit score… and it’s not quite where you thought it’d be. Frustrating, right? One sneaky little number might be messing with you: credit utilization. Let’s cut through the noise and…

If you’re planning to buy a home, get a car loan, or even apply for a new apartment, your credit score matters — a lot. It can make the difference between getting approved with a low interest rate or getting denied altogether. Whether your score is already decent or needs some serious work, 2025 is…