Also, see Goundhog Day, 2012 Goundhog Day, 2011 The So-Called "Credit Utilization Ratio," and Advice About It Credit score utilization ratio misinformation Wikipedia 4-year error on credit score utilization ratio 654 days of Wikipedia malarkey Credit Score Average Misinformation by Wikipedia Passes One Year Mark Influence: Media, Wikipedia Federal Reserve tells 111th Congress that employers use credit scores Fake-O FICO Funk Wikipedia