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Dear Liz: Our credit scores are in the low 800s. We always pay all credit card balances off before the next billing period. We are presently charging a cruise for us and our daughter and her husband.

Keeping this ratio low can give a big boost to your credit score Written By Written by Contributor, Buy Side Michelle Lambright Black is a contributor to Buy Side and credit expert specializing in ...

Your credit card spending can impact your credit score. The more of your available credit you use at once, the more it has the potential to drag your score down. Find ways to manage your credit cards ...

Your credit utilization ratio accounts for 30 percent of your FICO score and is calculated by dividing the total debt you ...

A high credit score unlocks a bunch of benefits. You can get a lower interest rate on any loan and qualify for better financing. Mortgage lenders will look at your FICO score before determining how ...

I know that you should keep your utilization down, under 50%. However, what is more important: that each card be under 50% or that the average be under 50%? I have one card that has an extremely low ...

Some factors matter a lot more than others when determining credit scores, and one of these critical factors is your credit utilization ratio. Your credit utilization can impact your life in more ways ...