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Credit Utilization Ratio is measured by comparing your credit card balances to your overall credit card limit. Lenders use this ratio to evaluate how well you. How to Improve Your Credit Score Fast · 1. Review Your Credit Reports · 2. Get a Handle on Bill Payments · 3. Aim for 30% Credit Utilization or Less · 4. Limit. Beware of credit-repair scams. Sometimes doing it yourself is the best way to repair your credit. The Federal Trade. Commission's “Credit. Repair: How to Help. Taking advantage of the credit utilization ratio is one the best ways you can hack the system and increase your credit score. What is this ratio? The credit. How to improve your credit scores · 1. Review credit regularly · 2. Keep credit utilization ratio below 30% · 3. Pay your bills on time · 4. Make payments on.