One way is to ask your lender for a credit limit increase, which would automatically increase your ratio if you have the same balance. Lenders weigh your income and payment histor ...

Forbes contributors publish independent expert analyses and insights. True Tamplin is on a mission to bring financial literacy into schools. A strong credit score is one of the most valuable tools in ...

Your credit utilization ratio accounts for 30 percent of your FICO score and is calculated by dividing the total debt you have on your revolving credit accounts by your total credit limits you have on ...