Your grade is based on the following distributions from the Credit Karma Community:

Note: You do not have to carry a credit card balance from month to month to show credit card utilization. Simply using your card is enough to show activity, even if you pay the balance in full and never accrue interest. Credit card balances are reported by the issuer every 30 days based on the balance on that particular day. There is no distinction between revolving and paid-in-full balances on your credit report.

There is a clear correlation between credit card utilization and average credit scores. Members who have lower credit card utilization have higher credit scores on average. The above chart shows how various levels of credit card utilization correlate to credit scores.

Credit Score Weight: High

Your grade is based on the following distributions from the Credit Karma Community:

There is a strong correlation between credit scores and on-time payment history. Consumers should make their best effort to pay bills on time to maintain a good credit score. The above chart illustrates the relationship between percent of on-time payments and credit score.

Credit Score Weight: High

Your grade is based on the following distributions from the Credit Karma Community:

The average age of your credit lines is a measurement of the average age of your credit history. Consumers with longer credit histories tend to have better credit scores. The above chart illustrates the relation between credit scores and average age of credit history.

Credit Score Weight: Medium

Your grade is based on the following distributions from the Credit Karma Community:

Total accounts is another measure your creditworthiness. Consumers with more credit accounts generally have better credit scores because it means more lenders are willing to grant credit. The above chart illustrates the relationship between credit scores and total accounts on your credit report.

Credit Score Weight: Medium

Your grade is based on the following distributions from the Credit Karma Community:

Too many hard credit inquires can mean a consumer is desperate for credit or potentially a greater credit risk. As such, there is clear relationship between hard credit inquires and credit score. The chart above illustrates the relationship between credit scores and hard credit inquires. It is important to note that use of Credit Karma and promotional inquiries do not count in this metric and therefore do not negatively affect your credit score.

Credit Score Weight: Medium

Your grade is based on the following distributions from the Credit Karma Community:

There is not a strong correlation between total debt and credit score, so members will not receive a grade for this particular metric. The above chart illustrates the lack of difference between credit score and total debt.

Your grade is based on the following distributions from the Credit Karma Community:

DTI is not a metric not in your credit report and therefore does not directly affect your credit score. However, keeping a low DTI is a strong measure of financial health. Members will not receive a grade for DTI since it is not used in the credit score calculation.