How much of my credit limit should I use? Credit card utilization explained. In this video I'm going to break down what credit utilization is, how much of your available credit you should be using, and how to leverage that knowledge to increase your credit score. Understanding that 30% of your credit score comes from credit utilization gives you a powerful tool to help control your credit score and to increase your credit limits, which in turn increases your available credit. If you understand how this part of your FICO score works, it will take you along way in improving your credit score fast.

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