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A lot of people land on my page right after something confusing happens with their credit. A card gets approved… but the limit stays low. Or someone asks for a credit limit increase… and gets denied with a reason that doesn’t make sense. Or they’ve been paying on time for months… but the bank still won’t raise their limit. And most of the time… nobody explains why. So if you’re new here, welcome. On this page I break down how lenders and underwriters actually look at credit behavior. Not the sur
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