How to wipe your credit clean in 5 steps

Blog Introduction: The 15/3 credit hack is a method of using credit to improve your credit score. This hack involves using a credit card with a balance of 15% or less of your credit limit and paying the balance in full every month. By doing this, you will improve your credit score by 3 points every month.


  1. How the 15/3 Credit Hack Works

The 15/3 credit hack works by utilizing what is called your “credit utilization ratio.” Your credit utilization ratio is the amount of debt you have compared to your total credit limit. For example, if you have a credit limit of $1000 and a balance of $500, your credit utilization ratio would be 50%.


In general, the lower your credit utilization ratio, the better. This is because it shows that you are good at managing your debt and not maxing out your credit limit. Most experts recommend keeping your credit utilization ratio below 30%. However, if you can keep it below 15%, you will see an even bigger improvement in your credit score.


  1. How to Use the 15/3 Credit Hack

If you want to use the 15/3 credit hack to improve your credit score, there are a few things you need to do. First, you need to make sure that you have a good understanding of your finances and know exactly how much debt you can afford to pay off each month. It is also important to make sure that you have a plan for what you will do with any extra money that you may have after paying off your debt. For example, will you save it or invest it?


Once you have a plan in place, you need to find a credit card that has a low interest rate and a balance that is 15% or less of your total credit limit. If you can find a card with 0% interest, that is even better. Once you have found such a card, you need to put all of your other debts onto this one card and focus on paying it off as quickly as possible.



The 15/3 credit hack is an excellent way to improve your credit score quickly. By utilizing this hack, you can improve your score by 3 points every month. In order to use this hack effectively, however, it is important to have a solid understanding of your finances and create a plan for how you will use any extra money after paying off debt. If done correctly, the 15/3 credit hack can help build up your credit score quickly and help improve your financial situation overall.

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