Credit expert Jeanne Kelly joined us on the Loan Officer Breakfast Club and dropped some serious truth bombs that every loan officer needs to hear. One of the biggest myths she debunked? The idea that clients should keep their credit card balances at 30%. Jeanne explains why that advice could be hurting credit scores—and what the real sweet spot is.

She also shared insider tips on:

• How the statement balance date (not the due date) impacts scoring
• Why zero balances can actually be a problem
• The power of authorized users and how to time them for quick score boosts
• Strategies like shifting debt to installment loans to improve scores fast
• Why more credit (used wisely) is better—and how many cards your clients should really have

If you're a loan officer helping clients navigate credit challenges, this conversation is packed with actionable gems.

Need Jeanne's help for a client or yourself? Reach her at: http://jeannekelly.net/

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