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 ...

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

Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Red Venture's senior editor of content partnerships. Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc.

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 ...

Nearly 40% of cardholders in the U.S. have maxed out a credit card or come close to doing so, according to Bankrate's October credit utilization survey. But carrying that balance from month to month ...

A high credit score unlocks a bunch of benefits. You can get a lower interest rate on any loan and qualify for better financing. Mortgage lenders will look at your FICO score before determining how ...

Forbes contributors publish independent expert analyses and insights. True Tamplin is on a mission to bring financial literacy into schools. A strong credit score is one of the most valuable tools in ...