Utilization Calculator
The fastest number to change
Enter each credit card's limit and current balance. Utilization is about 30% of your score, and it resets every statement cycle, so paying balances down shows up fast.
Timing matters. Card issuers report your statement balance, not what you owe on the due date. Pay before the statement closing date and the lower number is what the bureaus see. The course lesson on statement dates walks through it.
Numbers stay in your browser. Nothing on this page is sent or saved anywhere.