Understanding Credit Utilization Your credit utilization ratio is the amount of credit you're using divided by the credit limit on your revolving credit accounts, usually your credit cards.

Your credit utilization ratio accounts for 30 percent of your FICO score and is calculated by dividing the total debt you ...

Revolving credit also comes into play when you look at credit utilization ratio, which makes up 30% of FICO scores and 21% of VantageScore calculations. Credit utilization is the ratio of the ...

Here is a list of our partners and here's how we make money. Your credit utilization ratio is how much you owe on all your revolving accounts, such as credit cards, compared with your total ...

This will save you money compared to carrying a balance, and it's better for your credit because it helps keep your credit utilization down. Generally, a revolving account stays open until you ...