Credit Utilisation: What It Is & How to Improve It

If your score is stuck, credit utilisation is usually why. It’s the percentage of your available credit you’re using and it accounts for 30% of your FICO score. Second only to payment history. Most people never look at it.

Lenders use it to gauge whether you’re financially stretched, regardless of whether you pay in full each month. Bring it down, and your score can move within a single billing cycle. This guide tells you exactly how.


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