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 ...

Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Red Venture's senior editor of content partnerships. Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc.

Toni is a points and miles enthusiast who has been leveraging loyalty programs to travel around the world (for nearly free) with her husband and their four young children. She’s passionate about ...

Michelle Lambright Black, Founder of CreditWriter.com and HerCreditMatters.com, is a leading credit expert and personal finance writer with nearly two decades of experience in the credit industry. She ...