@creditremedy: Utilization is about when you pay, not just how much. Starting from scratch in your 30s is more normal than social media makes it look. Here's a move that often helps: Keep disputes in writing and track response dates. Thinking about your plan for buying or building credit, what's the hardest part about staying consistent?, let me know below #CreditRemedy #CreditRepair #ColumbusOH #FinancialWellness #CreditTips #BuildCredit