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Introduction: Repairing damaged credit can be a challenging and time-consuming process, often requiring significant effort and patience. However, there’s a compelling reason why you should focus on building your credit while you repair it. By taking proactive steps to establish a positive credit history, you can improve your financial standing, increase your creditworthiness, and open…

Credit usage is an important factor in determining your creditworthiness and overall financial health. It refers to the amount of credit you utilize compared to the total credit available to you. Here are a few reasons why credit usage is important: Credit Score: Your credit utilization ratio, which is the percentage of your available credit…