Credit Utilization Calculator
See how your credit utilization ratio affects your credit score and get tips to optimize it.
- Keep utilization below 30% for best credit score impact
- Pay down balances before statement closing date
- Request credit limit increases (without hard inquiry)
- Spread balances across multiple cards if possible
- Avoid maxing out any single card
Credit Karma
Free credit monitoring & insights
Free credit reports and daily monitoring
Personalized recommendations to improve your score
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Experian
Direct access to your credit report
Free monthly FICO score updates
Credit monitoring alerts and fraud detection
Experian Boost for improving your score
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