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. На многих консоли отображается что-то вроде двойного мышиного иконки и визуально у нее можно посмотреть свойства элемента.Your credit score is influenced by a number of factors. Many of these factors are out of your control, however, other factors are not. Learning about each of these factors can help you understand why your credit score is or is not where you think it should be.

Of the various factors that affect your credit score, the one that you control the most is the ratio of your debt to your credit limits. In order to determine how important your debt is to your credit score, look at your credit utilization.

What is Credit Utilization?

The ratio of your outstanding debt to your available credit is known as credit utilization. Credit utilization measures the percentage of credit you use. If you have a $1,000 credit card and your balance is $1,000, then your credit utilization is at 100 percent.

When you look at your credit report, you’ll be able to see how your credit utilization compares to your credit limits. Ideally, you’d like your utilization to be less than 30 percent.

More than 60 percent credit utilization has a negative impact on your credit score.

Credit Utilization Less than 30%

When you have a low utilization, you’re paying off any credit that you have at an affordable rate. If you have a credit card with a $1,000 limit and your utilization is at 10 percent, then you have $1,000 available for future purchases.

While having a low utilization is beneficial to your credit score, you may not want to wait until your utilization is so low before making a significant purchase. You’ll want to pay off your debt in a timely manner and shouldn’t have a utilization of 30 percent or higher.

Credit Utilization Greater than

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