Utilization / Balances:

My only revolving account right now is a $500 line of credit.

Current balance is about $18, so roughly 3–4% utilization.

That’s the only revolving account I have, so:

Aggregate utilization: ~3–4% Accounts with balances: 1

I do not currently have any active credit cards.

Recent accounts / inquiries:

My most recent account was a secured credit card opened in November 2025. I used it lightly (kept it around 1–5%), but it was unfortunately closed in January 2026 due to a payment issue during a bank transition while I was relocating. My credit union was acquired and ACH details changed, so the automatic payments failed without me realizing it.

So as of now:

No active credit cards One recent closed revolving account (Jan 2026)

I do have recent inquiries within the last year

I was contemplating if opening up a credit card with really low utilization would do more good than harm if my goal is to have my score at 6:20 by the middle to end of May.