People taking out installment loans can quickly improve the revolving debt utilization ratio by using the funds to pay down their credit card debt. (growingfamilybenefits.com)
Student loans are included in one out of two different debt utilization ratios used by credit scoring algorithms. (growingfamilybenefits.com)
It would be better to have too much available credit, a lot of hard inquiries and high debt utilization ratio than a dozen or so late payments on credit cards. (stockmonkeys.com)