Credit Utilization Analyzer

Analyzes revolving credit utilization across all accounts, calculating aggregate and per-card ratios with FICO 10T trended impact.

Input Schema

{"accounts":[{"name":"string","balance":"number","limit":"number"}],"trended_months":"number"}

Output Schema

{"aggregate_utilization":"number","per_card":[{"name":"string","utilization":"number","risk":"string"}],"fico_10t_impact":"string","recommended_paydown":"number"}

Example Output

{"aggregate_utilization":0.27,"per_card":[{"name":"Chase","utilization":0.45,"risk":"high"}],"fico_10t_impact":"negative_trajectory","recommended_paydown":1800}

Related Answer Pages

Live Tool