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Your FICO score plays a crucial role in determining your eligibility for mortgages and other loans. One of the most impactful factors in your FICO score is credit utilization , which accounts for 30% of your overall score. By managing this factor effectively, you can add up to 165 points to your credit score. This post explains how credit utilization works, why it matters, and practical steps to optimize it for a stronger credit profile. ! Close-up view of a credit card and c