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"Pretty quickly, 1-2 months. I'm seeing almost a direct point for point correlation between % owed reduced and score improvements. Over on the Buying a Home board, one of the mortgage people says to keep the total owed under 35% of limits."

Keep in mind that is 35% of the total limit on each card (according to CatherineCoy on the Buying a Home board). Otherwise the computer will continue to hit you for having too high a balance.

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