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What is the difference between Individual and Overall Credit Utilization Ratios?

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What Is Credit Utilization? 

Credit utilization is the primary driver for developing your credit score and makes up 30% of a FICO score. Your credit utilization is simply the amount of debt you owe compared to the amount of available credit you have. In other words, it is the amount of your available credit that you are actually using. 

In terms of your credit score, credit utilization makes up 30% of your score, which means it is second in importance only to your payment history. 

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