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Remember, as your balances rise, your credit score will fall. It's an inverse property that you have to keep aware at all times. You always want to focus on how much you are utilizing that's available on your card. Having maxed out credit cards is a giant red flag to possible lenders. "Laddering" is a term used frequently when it comes to repairing ones credit. Basically, one should pay as much as possible to the creditor with the highest interest rate a
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