Learn the basics
Understand scores, reports, and errors in Credit Facts.
Credit tools
Free, easy-to-use tools to help you understand your credit. Start with our utilization calculator.
Credit utilization calculator
Credit utilization — how much of your available credit you’re using — is one of the biggest factors in your score. Aim to keep it under 30%.
30%
You are within the generally recommended range of under 30%. Keep it up.
This tool is for educational purposes only and does not retrieve or store any of your data. It is not a credit score and does not guarantee any outcome.
More ways we help
Tools are a great start. Here’s where to go next.
Know your rights
See what the law guarantees you in FCRA Rights.
Start improving
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