![]() Credit UtilizationĬredit utilization is the amount of available credit that you actually use. Let’s look at the different elements that make up the calculation of your credit score. The VantageScore or FICO algorithms are then applied to those reports to calculate your credit score. This data is compiled into your credit report. The three major credit bureaus, Experian, Equifax and TransUnion all collect financial information about consumers.
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