Scores & Files
Utilisation matters more than most people expect
The proportion of available credit you are using is a strong signal, and it bites well below the limit.
Scores & Files
What is on a credit file, who reads it, and why your score differs by agency.
2 articles · updated August 11, 2026
Scores & Files
The score you are shown is not the score lenders use
Consumer credit scores are a product. Lenders build their own models from the underlying file data.