Shonda Martin on Instagram: "If you ever see a “Recovery” or “Recovering” indicator on your credit profile, here’s what it really means. 👇🏽💳 It simply shows that you’ve made a major pay-down within the last 90 days. A “major” pay-down is any drop in utilization of 20% or more. So if you went from 70% to 50%, your account is officially in recovery — which is a good thing. Different companies may label it differently, but the meaning is the same: Your account is stabilizing, rebuilding, and mov