 TITLE: What Is the Best Credit Utilization Ratio? CONTENT: Check and Monitor Your Credit and Utilization\n---------------------------------------------\nYou can calculate your credit utilization by comparing the current balances and credit limits for revolving accounts on your credit report. Additionally, when you check your credit report with Experian (which you can do for free), your credit utilization ratio will automatically be calculated and displayed. You can also look at each of your accounts to see their current individual utilization ratio. Both overall utilization and individual account utilization are considered in your credit score calculation. END