Behind every lending decision lies your credit report—but there is more to it than lenders admit. Here's what you need to ...

Freedom Debt Relief reports that credit utilization affects scores; keep it under 30% for better credit health and check ...

Your credit utilization ratio is part of the "amounts owed" category, which determines about 30% of your FICO score, the most widely used credit scoring model among creditors. VantageScore 3.0 ...

For example, if you have a single credit card with a $10,000 limit and your credit report shows a $1,000 balance, your credit utilization ratio is 10% on the account.

For example, let's say you have a combined credit limit of $12,000 across two different cards, and your credit report shows ...

Let's say you have a single credit card with a $10,000 credit limit. If the balance on your account is $5,000, your utilization rate is 50%. In other words, you are using (or utilizing) 50% of ...

If you aren’t in that elite club, don’t despair. Plenty of Americans have really good credit. More than 20% of consumers have ...

Your credit utilization is a measure of the total debt you’re carrying across all revolving credit accounts against your total available credit on those accounts. It makes up 30% of your FICO ...

If you’re reviewing your credit report and see the term ‘credit utilization,’ you might be wondering what that even means and what it has to do with your credit score.

Here are 4 steps you can take to clean up your credit report so you can increase approval odds and receive the best rates on credit cards and loans.

Adding a new credit card with a zero balance to your credit report may also lower your overall credit utilization rate. This credit utilization calculator can help you crunch the numbers. Length ...

For example, if you have a credit card with a $5,000 credit limit and a $2,500 balance, your credit utilization is 50%. If you pay down the balance to $1,000, then the utilization will also drop ...