CREDIT SCORES

What is a good credit utilization ratio?

The fastest way to lift your score

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01

Under 30%

Common target

Divide total card balances by total credit limits.

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02

Under 10%

For top scores

Common among people with excellent credit.

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03

30%

FICO weight

Amounts owed, including utilization, is about 30% of a FICO score.

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04

Pay early

Before the statement closes

Issuers usually report your statement balance.

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05

Keep open

Old cards

Closing a card cuts your total limit and raises utilization.

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Lower it fast

Math, targets and 8 quick fixes

Read the full guide

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