Though paying your bills on time is one of the best ways to build a good credit score, it's not the only important factor. How much you owe compared with your credit limits -- your credit utilization ...

Your credit scores can wax and wane a bit like the moon, changing frequently as your credit accounts and balances change. However, big changes to your credit scores could be an indication that ...

Credit utilization is a fancy name for how much of your available credit you've used. It's one criterion used by the three major credit bureaus to calculate your credit score. Why do they care?

Those with less than perfect credit might be surprised at how quickly they can improve their credit scores, beginning with ...

Discover what a zero balance card is and learn how it can benefit your credit score by reducing debt and managing your credit utilization effectively.

Credit utilization is calculated by dividing the balance by credit limit for each card and for all cards together. Many, or all, of the products featured on this page are from our advertising partners ...

Charging $10,000+ to a credit card can trigger fraud checks, raise utilization, and rack up interest. Here's what happens, and how to avoid the downsides.

This is the story of how a poorly-timed credit card purchase turned into a massive credit score drop. While it does have a (mostly) happy ending, there are some lessons to be learned. Not long ago, a ...