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im going to let you guys in on a little secret that could potentially hide most or even all of your credit utilization and thats going to be a big deal because your credit utilization rate makes up a massive 30 of your overall credit score its the second largest category right behind do you pay your bills on time and that category is only 35 so these two categories are both super important and with this technique you could potentially completely get rid of your entire credit utilization rate dramatically increasing your credit score hi everyone my name is ben and this channel is dedicated to all things personal finance helping you earn more spend less and invest the difference now today im going to be talking about like i said a special technique that can hide your credit utilization rate for a little bit now i need to stress before we get too deep into this that this is not a long-term solution this is a temporary fix this is a band-aid but thats okay because not all of the time