Credit Advice

What I have found out is that even if you pay your bills on time, if the amount of debt you have out ways what you normally bring in or its over half of what you bring in, to creditors it looks like you are stretched thin and there is really very little "asset" left after you pay everything.

The most likely reason:

When you say that you have a "B" score on "payments on time" (which has nothing to do with debt, which is what savvydiva was addressing) in the last 3 years, I'm taking this to mean that you DO have a late payment sometime before that. Unfortunately, even one late payment over a fairly long period of time will drag you down from an "A" to a lower grade - literally, just one. It will affect your credit score less and less as time goes on, but CK appears to run their "letter grade formula" based on a numerator of total payments made on time and a denominator of total payments. So, to CK, that late payment will always be there. Be more concerned with your score than the CK letter grade - those letter grades mean very little (and nothing to creditors, who don't see them).