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For years, we’ve talked about the power of preparing for credit applications in advance — paying down your utilization to that 1–3% sweet spot so you could get a boost right before applying. And for a long time, that strategy worked. But here’s the truth: that window is closing. Lenders can now see your utilization patterns over time, not just the number you report for one month. Which means that last-minute cleanup — the “quick boost” before applying — isn’t enough anymore. This new era of cred
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