Utilization Drives Underwriting
Utilization is the percentage of revolving credit you are using. Underwriters read high utilization as higher risk—even if you pay on time. This single metric can be the difference between approval and denial, and between a generous limit and a minimal one.
The Funding-Friendly Target
In many cases, keeping utilization under 30% (and lower when possible) improves approval odds and limits. The timing of statement reporting also matters. What is reported to the bureaus is what lenders see, so managing when payments post relative to statement close dates is a critical optimization strategy.
How We Optimize Utilization
Funding-focused optimization includes strategic paydowns, balance distribution across accounts, and timing so your report reflects the strongest profile when it matters. This is not about paying off debt randomly—it is about engineering the reported utilization to maximize approval odds at the exact moment applications are submitted.
Next Step
Start with prequalification to see if utilization is one of your blockers. Once identified, the optimization path can be mapped precisely.
Start Prequalification →