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Credit Utilization Ratio

Credit Utilization Ratio

Credit Utilization Ratio

How close are you to your credit limits?

The less of your available credit you use, the better it is for your credit score (assuming you are also paying on time). Most experts recommend using no more than 30% of available credit on any card. Our calculator shows you where you stand.


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Your Estimated Credit Utilization Ratio


Your credit usage

Overall credit utilization ratio

Sign up with Uptrendcredit to see your actual credit utilization and get your free credit score.

Your result:

Using more than 30% of your available credit on your cards can hurt your credit score. The lower you can get your balance relative to your limit, the better for your score. (It's safe to pay it off every month if you can.)

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Other Calculators

Debt-to-Income Ratio Calculator

A debt-to-income, or DTI, ratio is derived by dividing your monthly debt payments by your monthly gross income.

To calculate your debt-to-income ratio, add up all of your monthly debts – rent or mortgage payments, student loans, personal loans, auto loans, credit card payments, child support, alimony, etc. – and divide the sum by your monthly income. 

Pay Off calculator

Paying off credit card debt can help you save money on interest and improve your overall financial well-being.

Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.

Pay Off Calculator

Consolidate Credit Cards

Our debt consolidation calculator can help you decide if consolidation is right for you.

The calculator will suggest the best way to consolidate your debt and estimate your savings with a debt consolidation loan.

Debt Income Ratio Calculator

Uptrend Academy

We have different courses to help you be on the right track to achieve Financial Independence and Success that start from the right knowledge on how to take good care of your credit.

Debt Income Ratio Calculator

Uptrend Store

We have different letter templates for your disputing needs that you can purchase individually or in a package together with the EBooks that we have for you.

Ready to get started?