The 10% → 5% → 0% Utilization Method

Your credit utilization makes up 30% of your FICO score and most people are leaving serious points on the table every single month without knowing it. This guide teaches you the exact two-payment method used to strategically control what gets reported to the credit bureaus and when, so your score reflects the best possible version of your credit behavior. When applied consistently, many people see their score increase by 10 to 25 points or more within a single reporting cycle.

What’s inside:

• How to calculate your personal 10% target number

• The three-phase payment strategy explained step by step

• The two-payment rule and how to time it around your statement date

• A real-world example walked through from start to finish

• Five common mistakes that cost people points every month