09/21/2026
Carrying balances on multiple credit cards? Your credit score may be feeling it.
One number to keep an eye on is your credit utilization—how much of your available credit you’re currently using. Generally, lower utilization can be better for your credit score.
Think of it this way: More available credit + lower balances = a healthier-looking credit profile.
Small changes can make a difference! Before making any big moves with your credit—especially if you’re thinking about buying a home—talk with your Loan Officer about the best approach for your situation.