Utilization payoff ladder
See how much to pay at 50%, 30%, 10%, and 0% utilization targets and which educational band each hits.
See how much to pay at common utilization targets (50%, 30%, 10%, 0%) and which educational score-impact band each level lands in. Not a score prediction.
Payoff ladder
80%
current utilization · band over-50
- 50% util
- pay $1,500.00 · leave $2,500.00 · 50% · under-50
- 30% util
- pay $2,500.00 · leave $1,500.00 · 30% · under-30
- 10% util
- pay $3,500.00 · leave $500.00 · 10% · under-10
- 0% (paid off revolving)
- pay $4,000.00 · leave $0.00 · 0% · under-10
Educational utilization bands only - not a FICO model or score guarantee. Paying before statement close is how utilization is often reported.
Educational estimates only. Not credit repair advice, not a guarantee of score changes or loan approval. Results vary; we are not a lender or law firm.