30% is your Magical Number for Credit Reporting

The Following Article Was Written By Vincent Cestone

About 30% of the total FICO credit score is based on Available Credit, or the amount of credit available on your open accounts.  FICO credit scoring models rate credit scores higher if revolving accounts have balances less than 30% of the high credit limits. So, be sure you take advantage of this by keeping your balance below the 30% threshold.