Pushing your credit cards to the limit is a recipe for a 519 credit score. Winston C. found himself in that situation and decided it was time for a change.
Winston enrolled in the CredEvolv platform with a goal to reach 640 from a 519 credit score. He connected with a certified, nonprofit counselor and got started.

Winston’s counselor was able to remove some late payments and collections from his credit report while he paid down his maxed out credit cards to 42% utilization. As a result, he’s currently at 604 and continuing to move forward.
“Should I try to improve my 519 credit score myself?”
The partnership between our clients and the credit counselors we connect them with is truly invaluable. That’s why we strongly advise against taking a do-it-yourself approach to credit repair. Countless pitfalls can derail your efforts to clean up your credit history.
Fixing a 519 credit score isn’t an impossible task, but it’s one that benefits from professional guidance. Specifically, the reputable, expert credit counselors on our platform. Here’s why:
- They have the knowledge and experience to navigate the complexities of credit improvement.
- Their goal is to help you, not keep you stuck in a program longer than necessary.
- They’re dedicated to your success, not making a profit off your challenges.
CredEvolv’s counselor partners are here to equip you with the skills and strategies needed to improve your 519 credit score. This knowledge will help you during the program and, most importantly, long after you’ve reached the credit score you deserve.
What is credit utilization?
Credit utilization refers to the percentage of your available credit that you’re currently using across your revolving credit accounts (check out this blog to learn how to calculate your utilization ratio). Since credit utilization accounts for roughly 30% of your credit score, it’s a key factor in the decision to approve you for a loan.
Lenders want to see that you can handle credit responsibly without relying too heavily on borrowing. A lower utilization ratio signals that you’re in control of your finances. On the other hand, if your credit utilization is too high, lenders may be reluctant to extend more credit. That can also contribute to a 519 credit score or lower.
As a general rule, aim to keep your credit utilization below 30%. For the best results, keep it under 10%.
If your utilization is too high, your credit score can take a hit, even if you’re making on-time payments. But when you bring it down into the optimal range, your 519 credit score can soar like Winston’s did!
Read more credit success stories here!