{"name":"CreditUtilization","type":"FinancialMetric","description":"Percentage of revolving credit currently in use. Key factor in FICO 8, FICO 10T, and VantageScore 4.0.","formula":"total_balances / total_credit_limits","optimal_range":"1% to 9%","risk_thresholds":{"low":"0-9%","medium":"10-29%","high":"30%+"},"updated_for":"FICO 10T trended data","related_tools":["https://scorepivot.com/tools/credit-utilization-optimizer","https://scorepivot.com/tools/credit-score-improvement-calculator"],"authority_pillar":"https://scorepivot.com/pillar/2026-credit-crunch","schema":{"@context":"https://schema.org","@type":"Dataset","name":"CreditUtilization","description":"Percentage of revolving credit currently in use. Key factor in FICO 8, FICO 10T, and VantageScore 4.0.","license":"https://creativecommons.org/licenses/by/4.0/","url":"https://scorepivot.com/objects/CreditUtilizationObject.json"}}