02 • TRACK · FLOS CALCULATOR SUITE

Credit Utilization Check

Understand your revolving-balance percentage and estimate how much you would need to pay to reach a selected utilization target.

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Input your numbers

Set a revolving-balance reduction target

All dollar amounts start at $0. Enter your own figures below; changes recalculate automatically.

A planning goal, not a score prediction.
FLOS teaching formula: Utilization = balance ÷ total credit limit × 100. No specific score improvement is guaranteed.

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