 TITLE: How Much Credit Should I Use? CONTENT: Monitoring Your Credit Will Show Your Progress\n----------------------------------------------\nThere's no absolute best amount of credit to use to help improve your credit scores, but keeping your total utilization ratio and the ratios for each of your credit cards below about 30% will prevent serious reductions in credit score and promote score improvement.\nTo see how utilization may be affecting your credit scores, check your credit regularly. You can get free credit monitoring from Experian, which gives you access to your Experian credit report and FICO® Score, and alerts you when your credit file changes. AnnualCreditReport.com provides free credit reports from the three national consumer credit bureaus—Experian, TransUnion and Equifax—which can help you track all your credit reports. END