Even the levels of importance shown in the FICO Scores chart above are for the general population and may be different for different credit profiles. Your FICO Score is calculated only from the information …

Oct 16, 2025 · Use our credit utilization calculator to see where your credit card usage stands — so you can start repairing your credit score if needed.

Our credit utilization calculator quickly determines your ratio of available credit and delivers the next steps to improve your credit score.

It compares the amount of credit being used to the total credit available to the borrower. Having a low ratio—in other words, not much debt but a lot of available credit is good for your credit score.

Your credit score comes from your payment history, credit use, types of credit, length of credit history and new credit (inquiries). The most common credit scoring models are FICO and VantageScore.

Check your credit utilization instantly and see how it affects your FICO score. Includes the 30% rule, statement date timing, and real examples.

With a Credit Utilization Chart template, you can track multiple credit card balances, calculate overall credit utilization ratios, visualize credit usage patterns over time, and monitor whether you're staying …

Oct 9, 2025 · Learn what a credit utilization rate is and the factors that impact it, how to calculate your credit utilization and how it affects your credit score.

Sep 5, 2025 · We'll share credit score chart ranges and explain each category, plus give you the five factors that impact your score the most - for better or for worse.

Jan 9, 2026 · Based on the percentages provided by myFICO, the consumer division of the Fair Isaac Corporation, and the scale of 300-850, here is the range of points within each category, how your …