Utilization CalculatorThe 30% rule,
The 30% rule,
made real.
Credit utilization—how much of your available credit you use—is one of the biggest score factors you can change fast. Enter your numbers to see where you stand.
25%
Smart targets: keep total utilization under 30%, and under 10% for the strongest effect. Paying down balances before your statement closes can lower the number that gets reported.
Educational only. These activities explain how credit and consumer-protection laws generally work. They are not legal or financial advice, and no outcome is guaranteed. For your own case, use your secure portal or speak with a qualified professional.