Your credit card spending can impact your credit score. The more of your available credit you use at once, the more it has the potential to drag your score down. Find ways to manage your credit cards ...

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 ...

Using no more than 30% of your credit limits is a guideline — and using less is better for your score. Many, or all, of the products featured on this page are from our advertising partners who ...

Only a tiny fraction of Americans have reached the absolute top of the credit-scoring ladder in 2025, but that sliver of ...

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 score plays a big role in your financial life. It affects everything: getting approved for loans, opening new credit cards and in some places, it can even impact your car insurance rates.

FICO’s inaugural Credit Insights report shows U.S. credit scores dipping as inflation and student loan payments weigh on consumers. Gen Z faces the steepest declines, with student loan debt driving ...

A high credit score unlocks a bunch of benefits. You can get a lower interest rate on any loan and qualify for better financing. Mortgage lenders will look at your FICO score before determining how ...

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There are reports all over the internet that insist 30% or 50% are the “target” percentages in order to achieve great scores.

St. Louis had the largest credit score increase of any U.S. city between Q1 2024 and Q1 2025. Des Moines and Winston-Salem followed, each seeing significant year-over-year gains. Experts say timely ...

NEW YORK (AP) — Millions of Americans are seeing their credit scores drop now that the U.S. government has resumed referring missed student loan payments for debt collection. But there are things you ...