Steven Millstein

Steven is the Founder and Editor In Cheif of CreditRepairExpert.org. Every day, Steven speaks with individuals and families in the online credit repair community to answers questions and offer help to people on their journey to repair and improve their credit rating. If you have a story idea for Steven or you would like help with credit repair, please email him at steven@creditrepairexpert.org.

Credit Utilization Ratio

A credit utilization ratio is a calculation of how much debt you have versus your credit limit.  The credit utilization ratio is calculated by looking at your credit limits and