Now let’s say you have more than one credit card. All you would have to do to calculate your utilization rate would be to add up the total balances and the total limits of [...]

Utilization is a fancy version of the word “USAGE”. This represents one of the most important categories in calculating your credit score — but it’s commonly misunderstood. Here we will go through how to [...]

Some of the major factors that affect your credit score are pretty obvious, while others not so much. The key to improving your score is to thoroughly understand the ins and outs of each [...]