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

Your credit card spending can impact your credit score. The more of your available credit you use at once, the more it has the potential to drag your score down. Find ways to manage your credit cards ...

Using no more than 30% of your credit limits is a guideline — and using less is better for your score. Many, or all, of the products featured on this page are from our advertising partners who ...

Your credit scores can wax and wane a bit like the moon, changing frequently as your credit accounts and balances change. However, big changes to your credit scores could be an indication that ...

Your credit score is more than just a number; it's a reflection of your financial reliability. In the United States, the FICO ...

I've seen folks raise their scores by 50+ points in just a few months, without doing anything fancy. They just learned which factors affected their score most, and focused on improving those areas.

Your credit utilization ratio is determined by taking the amount you owe on a credit card and dividing it by your credit limit. Credit utilization is an important factor in your credit score. Most ...