⚡ Managing High Utilization

Quick Fix Services:

• Meetava.com - Utilization management service
• Happymoney.com - Debt consolidation to personal loan
• Authorized User/Tradelinesupply.com - Add available credit instantly

DIY Strategies:

• Pay down balances before statement closing date
• Request credit limit increases (don't spend it)
• Split charges across multiple cards
• Pay multiple times per month

The Conversion Strategy:

Convert high-utilization credit card debt to a personal loan. This removes it from "revolving credit" calculation and can boost your score 30-50 points instantly.