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How is credit utilization graded?

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Credit Karma Team
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You can see the breakdown here: https://www.creditkarma.com/myfinances/scores/ccu

Most lenders send an update to the credit bureau regarding your balances and recent payments just once per month. That is considered your "reported balance" and is used to calculate your credit card utilization rate until the next update. 

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It is graded on the overall utilization on all accounts as a whole and is also graded on an individual account utilization rate.

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