There are a few things a client can do to bring down utilization without paying first.
- Call and ask for SOFT PULL limit increases on the credit cards with the high utilization.
- Apply for a personal credit card that offers a balance transfer option and ideally they get approved for a higher amount so whatever balance they transfer over keeps both cards at 30% utilization or lower.
- Apply for a personal loan and pay down their credit utilization with that.
