A reader asks…

Basically, how current is the credit agencies records?
Under normal conditions, my credit utilizaiton varies wildly.
When applying for credit, I generally want 10-20% credit utilization. I can make that happen, but I wanted to know:
How long after I make it 10-20% should I apply for credit?
How long do I need to hold my credit utilization at 10-20%?

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