Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Report
Profile Image

Question By
rsbondroff

0 Contributions
0 People Helped
Credit Report Card Utilization Score
I have excellent credit. My Credit Report Card is all A's with the exception on my Utilization which is a C. If I am using ZERO (0) percent of my $55,000 available credit, why is my letter grade a C and not an A?

The same for the number of accounts. I have 15 which is a C. I have an 800 credit score and no debt. How can I have two C marks?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Credit Karma Team
Top Contributor
2949 Contributions
4611 People Helped

The Credit Report Card is a comparison metric. Members who have the highest credit scores *tend* to have utilization rates between 1% and 20%, so a utilization rate in that range is given an "A". Members who have a 0% utilization score tend to have lower scores, on average. 

The Credit Report Card grades do not affect your actual score, which is calculated by TransUnion. They are to let you know which areas of your credit are strongest. 

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.