📈 Stage 3 — Build Credit

Credit Utilization Checker

Credit utilization — how much of your limit you're using — accounts for 30% of your score. See your current ratio and exactly how much to spend to keep it optimal.

Are you planning to apply for credit soon?

Yes (next 3–6 months)

Your credit cards

Combined utilization (all cards)

—%

What credit bureaus report

💡 Tip: Bureaus see your statement balance, not what you've paid during the month. Pay down your balance before your statement close date — not just your due date — to lower what gets reported.

0–10% ideal

10–30% good

30%+ caution

—%

combined utilization ratio

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Start by adding your first credit card

Enter your card name, credit limit, and current balance to see your utilization ratio and get personalized recommendations.

Not sure where to start?

Get the free First 90 Days guide — exactly what to do, in order, from day one.

Download the Free Guide (PDF)

Free · No sign-up · Opens instantly