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...not even close to limit...

Are the balances close to 30% of the limit? Or over? FICO likes to see utilization under 30%, and dings you on a sliding scale when you go over that. (E.g., if your credit limit is $10,000, then you should keep balances under $3,000.)

Sometimes I'll make multiple payments a month to keep the outstanding balance low. Some credit cards don't allow that, but I've never had a problem doing it.

If utilization is the issue, then 2 to 3 months of low utilization will be enough for your credit score to recover (unlike late payments, which ding you for years).
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