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13 Secrets on How to Hide Your Credit Utilization To Boost Your Credit Score

How To Hide Credit Utilization

Do you want to boost your credit score but don’t know where to start? If so, then you’re in luck!

Do you have bad credit? If so, you’re not alone. In fact, nearly one in five Americans has a credit score below 601, according to a recent report from Experian.

But there is some good news: there are steps you can take to improve your credit score. One of the most important things you can do is to keep your credit utilization low. Credit utilization is the percentage of your credit limit that you use each month. For example, if you have a credit limit of $1,000 and you spend $500 in a month, your credit utilization is 50%.

This article will provide you with the best tips to increase your credit score and even explain how to hide your credit utilization.

You’ll learn the tricks and techniques used by financial experts to maximize your credit score, and how to make sure it won’t come back to haunt you.

So, if you’re ready to take your credit score to the next level, keep reading!


Understanding Credit Utilization

The percentage of your entire credit that you are using is known as credit utilization. Often times people ask me, how can to hide your credit utilization to lower their credit score quickly.

The second most important aspect in calculating your credit score is credit use (behind payment history). You are more enticing to lenders if you utilize less credit. Low credit usage rates demonstrate to lenders that you responsibly handle your credit.

For more detailed information, please see recent article…

Credit Utilization Worksheet

Why Do I Need a Credit Utilization Calculator? A credit utilization calculator can help you determine how much of your credit you are using. This is important because your credit utilization ratio is one of the factors that lenders look at when considering you for a loan. To learn more about credit card utilization, read … Continue reading

So it is clear how important a low credit utilization ratio is.  Let’s find out how to hide a high credit utilization rate.

Steps to Take Before Hiding You Credit Utilization

Step 1

Order your credit report https://www.annualcreditreport.com/ so that you know what you are up against.

Step 2

Calculate your credit utilization ratio.  For information on that – see this recent article by clicking to the left.

Step 3

Use the calculator from the above article here Credit Utilization Worksheet

Now you know everything you need to know about your current ratio and credit card information.  Let’s learn how to hack or manipulate your FICO score fast.

How to Hide Your Credit Utilization & Boost Your Credit Score Quickly 

How to hide your credit card utilization rate?  A good FICO score has a lot of benefits these days. It can be hard to build a good credit history, so it’s important to start early — and it’s not usually too worrisome if you accidentally miss a payment or two. 

The real damage is done when you owe more money than you have in your account, at which point your balance is considered ‘high utilization’ and starts to affect your credit score negatively.

Credit utilization rate is one of the most important factors in your credit score. It is the percentage of your available credit that you are using at any given time. A high utilization can hurt your credit score, so it’s important to keep it as low as possible.


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There are a few general things you can do first to help hide your credit utilization. 

fix your credit
Hide your credit utilization

Use Debit Cards:

One way is to only use cash or debit cards for your purchases. This way, your credit card balance won’t increase and your credit card utilization will go down. 

Small Purchases:

Make sure that you only use your credit card for small purchases. This will help keep your balance low and your utilization low. 

Keep low credit card balances:

You can also try to keep your credit card balances low by using a credit limit increase service. This will help you keep your balances low and help improve your credit score.

Pay off your balance in full, if possible:

A big thing you can do is to pay off your credit card balance in full every month. This will help keep your utilization low and help improve your credit score. 

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15/3 credit card payment hack:

You can take this a step further and really lower your ratio.  Paying down your credit card balances frequently is an easy strategy to hide credit overuse. 

Instead of waiting until the end of your billing cycle to pay off all of your credit card debt, consider making periodic bill payments throughout your billing cycle. Your credit card issuers will often publish your balances at the end of your billing cycles or on your statement balances.

  • You can use the 15/3 credit card payment hack that I discussed in detail in this article

Pay debts strategically

Pay your debts that have the highest current rate first

Pay your debts that are nearing their statement dates soonest

Don’t close unused credit card accounts. Yet:

By closing an unused credit card account now, your credit limit from that account will disappear.  Increasing the percentage of credit that you are using.  Keep the account open for the time being.

Very sneaky trick of juggling

I don’t suggest this, but it is a unique trick to very temporarily lower your credit card utilization rate dramatically.  

  • Account A statement date is the first o the month
  • Account B has a statement date of the 15th of the month
  • You do a balance transfer from Account A to Account B before the first of the month.
  • Account A reports 0%.  You just hid your credit utilization rate.
  • Need to hide your credit card utilization again?
  • Balance transfer back from Account B to Account A by the 15th of the month.
  • Account B will hide your credit utilization aso, by reporting 0%

Get a temporary personal loan:

Let’s say you owe $10,000 on a $10,000 credit limit card and are about to go buy a car in a month.  If you get a personal loan and pay off your credit car – they will report 0%  – what a great way to hide credit card utilization rate. Pay your friend back after you get the car loan, and your credit card balance is back where it started.

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Statement balance vs. current balance:

You can also ask your credit card company to report your balance as the “statement balance” instead of the “current balance.” 

The statement balance is the balance that you see on your monthly statement. It is usually lower than the current balance because it doesn’t include any pending charges. 

Low APR transfer:

You can also transfer your balance to a low interest credit card. Especially if you have a high interest rate card currently.This will lower the amount of interest you are paying and will also reduce your credit utilization. 

Just be sure to pay off the balance transfer within the introductory period so you don’t end up paying more in interest than you would have with your old card.

Ask for a credit limit increase:

You can ask for a credit limit increase. A higher credit limit will help reduce your credit card utilization ratio immediately.

Open a new credit card

The new credit limit will increase your total available credit.  Which will reduce your utilization further.


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Remember, the key to improving your credit score is to keep your credit utilization as low as possible.

With a few simple steps, you can easily hide your credit utilization and get the credit score you deserve.

Don’t let your credit utilization hold you back anymore, take charge and start improving your credit score today!

credit card utilization excel template


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Note: The content provided in this article is for informational purposes only and should not be considered as financial or legal advice. Consult with a professional advisor or accountant for personalized guidance.


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Michael Ryan
Michael Ryanhttps://michaelryanmoney.com/
A former stockbroker, financial planner, and owner of my own financial planning practice and then a property & casualty agency. I have since retired and decided I want to help individuals and business owners by offering personal financial coaching. And now, I have started my blog - www.michaelryanmoney.com - to bring financial literacy to everyone. In a short time I have already been quoted and featured in US News & World Report, Business Insider, Yahoo Finance, and more (https://michaelryanmoney.com/home/press/) As a financial planner, I helped people from all walks of life. If you have questions about money, I will help you find the answers at www.MichaelRyanMoney.com
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