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golli

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I have 0% Credit Utilization, yet I get C grade for that category?
My utilization of credit has been close to 0% for several months and I don't think it has ever been more than 20-30%. Why do I only get C grade in that credit score category?

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They don't want to see high credit utilization (over 30%) but they also want to see that you can use a credit card responsibly. Which means using your credit card and paying it off. Use a credit card with a low interest rate to pay for gas and then let the bank report that you have a balance. Some banks do that once a month so do it daily, you may be able to ask you bank how often they do it. Then you can pay off the balance. 

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Chaplinesque

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I'm having the same problem. Even if it is true that they prefer to see some utilization versus none, it still wouldn't account for the grade being C, as opposed to a B. What I want to know is why specifically they've assigned a C to this. It make little to no sense to assign a C to zero utilization where a B is more appropriate.

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