 TITLE: How to Calculate Credit Card Utilization CONTENT: Track Your Credit Score for Free\n--------------------------------\nIdeally, you can maintain low utilization and pay your bills in full to avoid paying interest. But don't worry too much if you occasionally have a high utilization ratio.\nYou may see your score drop for a time, but your score can also increase as you pay off your credit card balance. And other factors, such as whether you pay your bills on time, can be even more important to building good credit.\nYou can also sign up for Experian's free credit report and FICO® Score monitoring. When you log in to your account, the program automatically calculates your utilization ratio based on your Experian credit report (both your overall utilization and utilization for each account), and shows you which other factors are most impacting your score. END