How Credit Utilization Works (and the Fastest Ways to Improve It)

Jun 12

1 min read

Utilization is one of the fastest-moving parts of your score. Small changes can make a noticeable difference.

What utilization means

It’s the percentage of your available revolving credit you’re using. Lower is generally better.

Fast ways to improve utilization

• Pay balances down before the statement date • Make multiple payments per month • Avoid maxing out any single card • Ask for a credit limit increase (when appropriate) • Move balances strategically (when it makes sense)

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Submit the credit counseling form and we’ll map out the fastest, safest steps for your situation.

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What utilization means

Fast ways to improve utilization

Want a plan?

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