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Inside  SchoolsFirst FCU  Schoolsfirstfcu  Form

Inside SchoolsFirst FCU Schoolsfirstfcu Form

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we know that having good credit can make life easier financially but there's a more nuanced conversation around credit that involves our debt to credit ratio School's First Federal Credit Union is here to give us the lowdown on optimal credit usage joining us today is Tamara Thomas she's the fruit Bridge branch manager for Schools First Federal Credit Union hello Tamara hello hello okay so I'm kind of learning about something new today can you tell me exactly what credit utilization is and how it impacts us yes so credit utilization is essentially what you use on your credit versus your balance that you have so your balance versus your available credit so what you're looking at is kind of staying under 30% for credit utilization that's going to give you a really great healthy credit score it's going to help um your overall interest all of these uh different types of things so a really great example of that is you take what you&

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