Is Your Debt Utilization Ratio Affecting Your Credit?

The debt utilization ratio is a measure of how much money you've charged relative to how much you can charge. The lower that ratio, if you're using only 10%, the better. If you're using 50%, that sucks. And it's going to decrease your utilization ratio. Now obviously, this is a really stupid way to measure each other right now. Well, just because we're probably at credit scores, what is your credit score right now or last time you checked? And I'll tell you mine and we'll see how much of a difference it makes.