Free Credit Utilization Report PDF (Instant Generator)
Calculate card-by-card and overall credit utilization, then download a court- or lender-ready PDF summary without uploading data.
Published November 27, 2025
Credit utilization is one of the biggest drivers of your credit score. This free generator lets you enter each card, see utilization per account and overall, and export a clean PDF you can hand to landlords, lenders, or attorneys.
When to use this
- You need to prove current balances and limits to a landlord, lender, or underwriter.
- You want to attach a utilization snapshot to a credit dispute, rapid rescore request, or goodwill letter.
- You’re documenting progress in a debt management or settlement program and need organized proof.
How to do it (fast)
- List each credit card with issuer, credit limit, and current balance.
- Review the auto-calculated utilization per card and overall percentage.
- Add optional notes (e.g., dispute status, promotional APRs, closed dates).
- Click Generate PDF to download a summary with totals and per-card utilization rows.
Why this helps
- Shows why your score is changing and which card balances to target first.
- Gives courts, landlords, and lenders a standardized view of your revolving debt exposure.
- Pairs easily with statements or dispute letters for supporting documentation.
Related tools
Not legal or credit advice. Verify balances and limits against your latest statements.
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