Credit Repair

Is 0% Utilization Bad For Your Credit Score?

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Is 0% Utilization Bad For Your Credit Score? – Latest News Today

Welcome to my MissBeHelpful channel!

In this video I address 2 important things to consider when thinking about utilization, and specifically 0% utilization. Watch to find out if you’re helping or hurting your score when you have a zero balance on your credit card!

More from MissBeHelpful:
How to Improve Your Credit Score FAST: https://www.youtube.com/watch?v=QX3JZeEVgBM
Common Credit Card Myths: https://www.youtube.com/watch?v=RFPeyxmMbo4&t=4s
5 Things to Consider When Applying for New Credit Cards: https://www.youtube.com/watch?v=iXowOnl0Wrc&t=86s
Credit Card Rewards… Do’s and Dont’s: https://www.youtube.com/watch?v=vYAZQBYcijs&t=1s
Become an Expert at Reading Your Credit Card Statement: https://www.youtube.com/watch?v=EsCuSODsRnY&t=8s
How To Improve Credit With Limited or No Credit History: https://www.youtube.com/watch?v=dslSyGRM6s4&t=7s
Best New Way To Improve Credit – No Credit Card Required: https://www.youtube.com/watch?v=6b9eMsb7K8U&t=1s
How I Use the Grace Period to Avoid Paying Interest: https://www.youtube.com/watch?v=crUU0teDcH0&t=32s
How To Earn Rewards Without Hurting Your Credit Score: https://www.youtube.com/watch?v=_djpGzJ3uks&t=2s
Why I Don’t Care About A Perfect Credit Score & You Shouldn’t Either: https://www.youtube.com/watch?v=gwj2ywlmf0Q
Should I Close Old Credit Cards?: https://www.youtube.com/watch?v=B_z1RDq4Z38
What is APR?: https://www.youtube.com/watch?v=OO6Wg1CPgPw
When Should You Get Your First Credit Card?: https://www.youtube.com/watch?v=wQxjJTYqKvI&t=5s
Can I Keep My Oldest Card Without the Annual Fee?: https://www.youtube.com/watch?v=jRL38UJWl-Y&t=14s
Which Credit Cards Do I Have + WHY?: https://www.youtube.com/watch?v=DAxv3sNXsk8&t=80s
How Many Credit Cards Should You Have?: https://www.youtube.com/watch?v=tabVCCRFDN0&t=9s
How Authorized User Status Might Improve Your Credit Score: https://www.youtube.com/watch?v=9LgPACQq0Qo&t=1s
7 Reasons Your Credit Score Might Drop!: https://www.youtube.com/watch?v=SSC5HtzVWh0&t=45s
How to Manage Many Different Credit Cards!: https://www.youtube.com/watch?v=gqDw-92yQq0&t=4s
How to Upgrade Your Credit Card With a Product Change: https://www.youtube.com/watch?v=XUtzuKnOnqY&t=218s
Why Does It Take So Long to Fix Your Credit??: https://www.youtube.com/watch?v=ODvfz7r07xI&t=194s
When to Pay Your Credit Card Bill and Increase Your Credit Score: https://www.youtube.com/watch?v=Ks6MjdlxTKQ&t=238s

Let’s connect:
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INSTAGRAM: https://www.instagram.com/missbehelpful/
BUSINESS INQUIRIES: Missbehelpful@gmail.com

’Til next time… PEACE!

Thanks for watching the Is 0% Utilization Bad For Your Credit Score? video!

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43 Comments

  1. Rachael Hernandez's
    July 21, 2021 at 11:38 am

    Great content. I paid off my auto account and my score dropped 60 points! Cleared another account one year ago and continued to show on the credit account! Called credit bureaus and creditor several times but they just pass the bug to each other!!!! Even wrote letters to me telling me they could not resolve my dispute. I am an immigrant and don’t have long credit history so that shows as a ding on my credit reports. It is so silly! I had to continue knocking at the credit bureaus and creditor so many times before they cleared the information. The sad part is that my credit scores continue to remain low over the years because of these factors, have planned for home last December but doesn't work out but now getting few recommendation of SolutionXhack on telegram and ANONYMOUSSOLUTIONX🟠ORG helped me a lot to maintain and fix my three bureaus without negative item remain, congratulate me this coming weekend am moving to DES MONIES IOWA..

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  3. Andy Raphael
    July 21, 2021 at 11:38 am

    I lost 18pts paying off my cc to 0% it went down on experian because it stating that I haven't used my cc

  4. Luke Whitaker
    July 21, 2021 at 11:38 am

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    July 21, 2021 at 11:38 am

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  10. Angela Tate
    July 21, 2021 at 11:38 am

    Lexington Law is so frustrating because I work with them for 5 years
    and i had 72 hard inquiries removal only with 3 items got deleted,
    but when I got introduced to H A C K B Y M E S S I A H O R G and
    ethical team, my instincts told me this is the solution to my credit
    profile. My instincts never lied and they really got me 835 FICO score
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  11. Angela Tate
    July 21, 2021 at 11:38 am

    Lexington Law is so frustrating because I work with them for 5 years
    and i had 72 hard inquiries removal only with 3 items got deleted,
    but when I got introduced to H A C K B Y M E S S I A H O R G and
    ethical team, my instincts told me this is the solution to my credit
    profile. My instincts never lied and they really got me 835 FICO score
    before 4 weeks as promised.

  12. Angela Tate
    July 21, 2021 at 11:38 am

    Lexington Law is so frustrating because I work with them for 5 years and i had 72 hard inquiries removal only with 3 items got deleted, but when I got introduced to H A C K B Y M E S S I A H O R G and ethical team, my instincts told me this is the solution to my credit profile. My instincts never lied and they really got me 835 FICO score before 4 weeks as promised.

  13. OpTicJay
    July 21, 2021 at 11:38 am

    I use my credit card like a debit card and pay it in full before the due date

  14. Infantry Captain 1992
    July 21, 2021 at 11:38 am

    0% utilization is great,Bonita!

  15. Marcus Au Young
    July 21, 2021 at 11:38 am

    I have 2 cards from capital one. I only use them to purchase stuff under $5 like a 1 gallon water or a energy drink lol.

  16. coffee grounds
    July 21, 2021 at 11:38 am

    my dad has a card he hasn't used in 10 years still reporting as active in good standing so you know I think it might depend on the company.

  17. Kanku Mansa Mussa
    July 21, 2021 at 11:38 am

    This is confusing to me because my due date comes first. Due date 25th closing 28th. I tried: paid minimum+ before 25th and and full balance before 28th, and credit don’t change a point. And tired leaving a small balance below 10% and my score goes down🤷‍♂️ I’m so confused what to do now

  18. Jay’s POV
    July 21, 2021 at 11:38 am

    I payed my accounts in full by the due date and my score dropped by 20 points.

    Mad af right now.

  19. Kahugu Muiruri
    July 21, 2021 at 11:38 am

    I pay the card balance in full once i get my paycheck. I do not care about the utilization but every fortnight i pay the balance in full. Does that affect my score?

  20. blkbeauti05
    July 21, 2021 at 11:38 am

    I like to be at 2%. I came from 544 March 2020 to 752 FICO Feb 2021.

  21. Daniel Rodriguez
    July 21, 2021 at 11:38 am

    1:00 your welcome

  22. Hi-standard62
    July 21, 2021 at 11:38 am

    👍👍👍👍👍

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    July 21, 2021 at 11:38 am

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    July 21, 2021 at 11:38 am

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  27. renae gray
    July 21, 2021 at 11:38 am

    Does having more cards help with your utilization ratios?

  28. renae gray
    July 21, 2021 at 11:38 am

    How little do you have to use your credit card to not be considered an inactive/ closed account?

  29. renae gray
    July 21, 2021 at 11:38 am

    For someone with only 1-2 credit cards trying to create/ build credit with no loans how much utilization should I use combined and for each card?

  30. Jay Hernandez
    July 21, 2021 at 11:38 am

    I have a statement date of 12-22-20 and due 12-20-20, should due date after statement due?

  31. toeknee Lorenzo
    July 21, 2021 at 11:38 am

    So if I buy something every month, and pay in full on or before due date n im having a 0 percent utilization will thus still higher my credit score?

  32. Vocaloiding Viva
    July 21, 2021 at 11:38 am

    What if you never activated a card

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  34. Oluseun Fajimolu
    July 21, 2021 at 11:38 am

    THANK YOU!!! You explain things soooo well. I knew there was something I was not doing right. I will try this. Thank you, again!

  35. Jeffrey Jackson
    July 21, 2021 at 11:38 am

    MissBeHelpful more like MissBeautiful wow!!! Thanks for the info

  36. Anshul Jain
    July 21, 2021 at 11:38 am

    You are funny. I like that

  37. Jyorhan Greene
    July 21, 2021 at 11:38 am

    Look anything below 30% you’re safe . Once i m within those lines I’m good. Because even if u keep it at 10% it’s not like they are going to give u 50 points off the bat.

  38. Smith Good
    July 21, 2021 at 11:38 am

    this video was super helpful, thanks to glenn for the referral.

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  39. Sunflower
    July 21, 2021 at 11:38 am

    If you pay the balance in full activity still get reported.

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    July 21, 2021 at 11:38 am

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  41. Dave DiMattei
    July 21, 2021 at 11:38 am

    hit the like button because you're hot

  42. Frank LaMar Jr
    July 21, 2021 at 11:38 am

    I wondered about this question. Thank you!

  43. Janice Cotton
    July 21, 2021 at 11:38 am

    Makes complete sense
    Helped me a lot to understand