In today's episode, we're diving into Step 4: Lower Your Credit Utilization & Maximize Your Score.

This is the FASTEST way to boost your credit score — sometimes in as little as 30 DAYS! Credit utilization is the second most important factor in your credit score (30% of FICO), and we're giving you the exact strategies to optimize it.

Here's what you'll learn in this episode:

✅ What credit utilization is and how to calculate yours

✅ The golden rules: Under 30%, Under 10%, Under 7% (and why 0% can hurt!)

✅ Why BOTH overall and per-card utilization matter

✅ 7 proven strategies to lower utilization fast

✅ How to make multiple payments per month (game-changer!)

✅ The exact script to request credit limit increases

✅ 4 advanced hacks for score optimization

✅ Your 30-day utilization challenge with week-by-week action steps

This episode gives you the fastest score boost possible. Lower your utilization today, see results next month. It's that simple.

Plus: We recap Steps 1-3 for new listeners, so you're never lost!

Your 30-Day Challenge:

Week 1:

• Calculate your current utilization

• Set up balance alerts at 30%

Week 2:

• Make a payment on your highest-utilization card

• Find your statement closing dates

• Set calendar reminders to pay before closing dates

Week 3:

• Pay down at least one card to under 30%

• Make a mid-cycle payment

• Track your progress

Week 4:

• Check your credit score — you should see movement!

• Commit to keeping utilization under 30% going forward

Remember:

Credit utilization is the fastest score lever you can pull. Lower it today, see results next month.

Your goal: Under 10% utilization across all cards. The closer you get to that magic number, the closer you get to elite credit — and all the financial opportunities that come with it.

Follow the journey on Instagram @FinanciallyFreeWithLT

If you have questions or want personal support:

📩 Drop a comment

📱 Send a DM on Instagram

📅 Schedule a free financial coaching session

We're building financial freedom together — 100,000 strong by 11/11/2026.

Lower your utilization. Raise your score. Transform your life.

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