My Credit
Demo Profile733
Good
+18 pts this quarter
Score History
Score Factors
Payment History
Excellent
99% on-timeHigh impact
Credit Utilization
Good
21% of limits usedHigh impact
Credit Age
Good
6 yrs 4 mos averageMedium impact
Credit Mix
Good
4 account typesLow impact
Hard Inquiries
Fair
2 in last 12 monthsLow impact
Utilization
21% — Good$2,670 in balances across $12,700 in revolving limits.
Accounts
Full reportsSapphire Demo Rewards Card
Credit Card
$1,840
Everyday Demo Visa
Credit Card
$620
Demo Auto Finance
Auto Loan
$14,320
Campus Demo Student Loan
Student Loan
$9,850
Recommendation
Paying about $500 toward revolving balances could reduce utilization to roughly 15% — a strong move before any loan application.