@creditremedy: Utilization spikes mid-month and tanks the score, nobody warned you. Mixed files happen after moves, common here. Use a credit-builder loan for 6-12 months of positive history. Thinking about your window for buying or building credit, how do you handle old collections?, let me know below #CreditRemedy #CreditRepair #ColumbusOH #FinancialWellness #CreditTips #BuildCredit