An excellent credit score can make life easier and cheaper. If your score is above 750, you will find it easy to get the lowest interest rates on mortgages, auto loans and credit cards. That score ...

If your limits are low, your credit scores are probably lower due to high utilization. To calculate utilization, most credit ...

Credit utilization is a fancy name for how much of your available credit you've used. It's one criterion used by the three major credit bureaus to calculate your credit score. Why do they care?

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

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Credit One Bank reports that a survey reveals 50% of U.S. consumers misunderstand credit scores, impacting financial ...

Some factors matter a lot more than others when determining credit scores, and one of these critical factors is your credit utilization ratio. Your credit utilization can impact your life in more ways ...

Michelle Lambright Black, Founder of CreditWriter.com and HerCreditMatters.com, is a leading credit expert and personal finance writer with nearly two decades of experience in the credit industry. She ...

Though paying your bills on time is one of the best ways to build a good credit score, it's not the only important factor. How much you owe compared with your credit limits -- your credit utilization ...

Keeping this ratio low can give a big boost to your credit score Written By Written by Contributor, Buy Side Michelle Lambright Black is a contributor to Buy Side and credit expert specializing in ...