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Member Since: September 2009
My credit score does not reflect my usage. I havent come close to using 30% and yet according to the ratings i'm still a "C". What gives?
oshonbreez58's response was:
My credit card use is low to zero. I see that this is not reflected in raising of my score.Why is that?
I too, am a person that clears my balances, depending on amount utilized, within a month or 2. I find here that I'm still penalized for not carrying a balance. This doesn't make sense. How should paying off accounts negatively affect your credit score. How do you correct this
oshonbreez58's reply was: