For our credit report tip of the day, your credit utilization ratio – the amount of credit you're using compared to your total available credit – plays a pivotal role in your credit score.

Aim to keep this ratio below 30 per cent to signal to creditors that you're effectively managing your credit and not overly reliant on borrowed funds.

By strategically managing your credit card balances and avoiding maxing out your available credit, you not only improve your creditworthiness but also preserve financial flexibility for future endeavors.

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