****Credit lesson**** When I analyze clients credit report the #1 thing I see that negatively impacts a client credit score is.....High credit card balances. Keeping you balance under 30% of your available credit limit will help your score each month. A balance at 50% doesn't help or hurt your score and a balance over 50% will hurt your score. For a few of you over your credit limit, that is tanking your score. If you don't have the extra cash to pay down your limits-apply for a credit card with a transfer offer and transfer some of the debt over to get your balances down.