With over four decades of experience as a portfolio manager and educator, Adam B. Frankel simplifies credit card strategies and complex personal finance topics for anyone seeking to gain a better ...

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Some factors matter a lot more than others when determining credit scores, and one of these critical factors is your credit utilization ratio. Your credit utilization can impact your life in more ways ...

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