Investopedia contributors come from a range of backgrounds, and over 25 years there have been thousands of expert writers and editors who have contributed. Thomas J. Brock is a CFA and CPA with more ...

Your credit utilization ratio is determined by taking the amount you owe on a credit card and dividing it by your credit limit. Credit utilization is an important factor in your credit score. Most ...

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

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Hint: It has a huge impact on your credit score. If you've ever researched factors affecting your credit score, you may have come across the term "credit utilization ratio." It sounds complicated, but ...