Originally Posted by
Mintman10
Right now my score sits at 672 because of somewhere around a 30% utilization. I don't have the cash in the next 2 months to pay down my balance.
You do understand that paying off your card in full every month won't give you a 0% utilization, no? From CreditKarma.com:
"You do not have to carry a credit card balance from month to month to show credit card utilization. Simply using your card is enough to show activity, even if you pay the balance in full and never accrue interest. Credit card balances are reported by the issuer every 30 days based on the balance on that particular day. There is no distinction between revolving and paid-in-full balances on your credit report."
I've seen my utilization at >100%, and I never carry a balance on any card. Right now my score is 766 with 33% utilization, so I'm guessing you have something else dragging down your score.