Credit utilization is the percentage of your available revolving credit you're currently using — your total credit card balances divided by your total credit limits. It accounts for 30% of your FICO score. A $3,000 balance on $10,000 in total limits is 30% utilization. Here at Credisure Fix, we walk you through the exact utilization moves that can add 20–60 points within one billing cycle.
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