How to Improve Your Credit Score in 6 Months
Practical guide with proven strategies to effectively increase your credit score.
What is credit utilization and why does it matter?
Credit utilization is the percentage of your available credit that you're currently using.
How to calculate: (Total Balances) ÷ (Total Limits) × 100
Why it matters:
- Accounts for about 30% of your credit score
- Keep below 30% for good scores
- Aim for under 10% for excellent scores
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