Credit Utilization and Your FICO Score: What Really Counts
Carol Cater Learn how credit utilization affects your FICO score, what the ideal ratio is, and practical steps to lower it and improve your credit health.
FICO score improvement strategies
How Credit Utilization Affects Your FICO Score in 2026
Learn how credit utilization affects your FICO score, why 30% is the threshold that matters, and what moves actually shift the needle fast.