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How is 30% of Credit Balance calculated? Can responsible credit card usage itself increase credit score?

Hey guys. Situation is I'm working to improve my credit. I have a $0 balance on a $300 line of credit, $ 0 balances on $ 375 and $ 400 cards, $ 245 balance on a $500 card and $ 700 on a $1,000 card.


71% utilization on one card is killing your FICO score.
FICO takes into account individual card, as well as overall utilization.
For highest scores, keep utilization below 10%.

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