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Module 3 of 10
30% of your FICO scoreCredit Utilization
The quick win: 30% of your score, and the factor you control most
4 free lessons in this module
1
What Utilization Is and Why Lenders Obsess Over It
30% of your score, and one of the fastest things you can change
8 min
2
The Numbers That Matter: 10%, 30%, 50%
The specific thresholds where scores tend to shift
7 min
3
Strategies to Drop Your Utilization Fast
Practical moves to shrink your ratio before the next report
9 min
4
The Statement Date Trick Most People Miss
Your card reports the statement balance, not what you pay by the due date
6 min