This common credit score myth could hurt your score, says FICO expert

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This common credit score myth could hurt your score, says FICO expert
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Many credit card users mistakenly believe this strategy can boost their credit score but it can actually do the opposite. How to improve your credit score.

, it's important to avoid falling for a commonly held myth: Carrying a balance on your credit card each month helps improve your score.

In fact, you risk harming your credit score rather than helping it if you're carrying a balance on purpose. A higher balance translates to a higherSince your credit utilization lets lenders know how well you're managing your credit, experts typically advise aiming to keep your balances low.

"Life's expensive enough in 2024. The last thing you need to do is pay more for something than you absolutely need to," Matt Schulz, chief credit analyst at LendingTree, told The importance of each of these factors can change depending on your unique credit usage, which is why it's not always possible to pinpoint which specific category may be impacting your credit score at a given time,

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