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The credit report card simplifies key credit report metrics into A-F letter grades. Improving your credit grades should lead to a positive improvement in your credit score.
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Credit reports are long and data rich, so they can be difficult to understand and digest. We created the Credit Report Card to be a simple, straightforward snapshot of your credit report. The information on the Credit Report Card is created from the data in your most recent credit score request on Credit Karma. Our goal is to help users identify areas they need to improve by providing comparative metrics against other members.
Summary
Your credit score indicates that you have used credit responsibly
and have done a good job managing your debts.
You may be able to increase your borrowing power
by reducing your debts, maintaining record accuracy, and paying your bills on time.
Report Card details
Credit card utilization is defined as the total credit card debt you have divided by the total available credit on your credit cards.
High credit card utilization can be a warning sign of credit risk.
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On-time payments are an important component of your credit score. Using your credit responsibly and paying bills on time are great ways to maintain a good credit score.
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Average Age of Open Credit Lines7 Yrs 9 Mos
Credit history is a significant component of your credit score. As such, the average age of your credit lines can be a strong indication of your credit history.
Care should be used in keeping old accounts open, active, and in good standing.
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Both the total number of credit accounts you have and the mix of credit you have will affect your credit score.
A healthy mix of revolving credit cards, charge cards, installment loans and mortgages will also impact your credit score.
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Inquiries for credit, also known as hard inquiries, are placed on your credit report whenever you apply for credit.
These results are the inquiries for credit over the last 2 years.
It is important to note that soft inquiries, like the type used by Credit Karma, do not impact your credit score and are not counted in this metric.
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Accounts in collections, bankruptcies, civil judgments, and liens are items on your credit report called derogatory marks. To maintain a good credit score you should avoid any derogatory marks on your credit report. It can take from 7-15 years for a derogatory mark to be cleared from your credit history.
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Tracking your total debt is a good way to gauge your financial health. When lenders evaluate your credit, this is often a key metric they review.
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Your Debt to Income (DTI) ratio compares the difference between your monthly income and the monthly amount you spend to maintain your debt. It is often a metric used when evaluating loan applications. In general, the lower the DTI, the better the credit risk.
Monthly household income is not on the credit report. Please enter your monthly pre-tax income for your household to see how you compare.
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Credit Card Offers Just For You
These are the most popular credit card offers from Credit Karma members with credit similar to yours.
Orchard Bank Visa Cards
- Acceptance at millions of locations including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
Orchard Bank Classic MasterCards
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
Capital One® Secured Mastercard®
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