Credit-utilization sub-score API

Compute credit utilization = balances / limits and map it to a 0-100 FICO-aligned utilization sub-score (<=10% best, linear decay to 0 at 100%) with an excellent/good/fair/poor/very-poor band. Utilization is ~30% of a FICO score. Answers 'credit utilization ratio','how does my utilization affect my score','utilization sub-score'.

Price$0.016per request

MethodPOST

Route/v1/score/credit-utilization

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scorecreditutilizationficorevolvingconsumersub-scorerubric

API URLhttps://x402.hexl.dev/v1/score/credit-utilization

Integration docs

Example request

{
  "totalBalances": 2500,
  "totalLimits": 10000
}

Example response

{
  "model": "Credit-utilization score (FICO-aligned rubric)",
  "utilization": 0.25,
  "utilizationPct": 25,
  "subScore": 83,
  "band": "good",
  "totalBalances": 2500,
  "totalLimits": 10000,
  "interpretation": "25% utilization — good. Keep below 30% (ideally 10%) to maximize the FICO utilization factor."
}

Input schema

{
  "type": "object",
  "required": [
    "totalBalances",
    "totalLimits"
  ],
  "properties": {
    "totalBalances": {
      "type": "number",
      "description": "Total revolving balances",
      "examples": [
        2500
      ]
    },
    "totalLimits": {
      "type": "number",
      "description": "Total revolving credit limits",
      "examples": [
        10000
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}