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Go to each of the bureaus (Experian, Equifax, and TransUnion) and request a report by mail. If you do a search you will probably find the phone numbers for each.
When I say utilize less than 30%, that means that your balance should be less than 30% of the available credit. So if you have a credit limit of $1000, you should use about $300.
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The answer is 42!!
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