Lumo Says
“Your utilization is one of the fastest things you can change. Let’s see exactly where you stand — and whether any single card is the culprit.”
LumoLynx — Tools
Credit utilization calculator.
Enter your balance and credit limit for each card. We’ll show you your overall utilization and flag any card that’s pulling your score down on its own.
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Overall utilization
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Remember: the balance reported to the bureaus is your balance on your statement closing date — not your due date. Pay down before your closing date to lower your reported utilization even if you carry a balance to the due date.