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Question By
travismiles

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Something has me confused??
Open Credit Untilization 15% = A
On time payments 100% = A
Average Open Credit = B
Total Accounts = A
Hard Inquries 1 = B
Derogitory Remarks 0 = A

Credit score 647 C???? So A+A+B+A+B+A = C????
I don't get it

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1) How many credit cards do you have? 

2) What's your overall credit limit?

3) What types of credit do you have? (Credit cards, loans, etc)

I'd bring down your util to below 10% (even 10.1% = 11% in the calculation) Ideally, less than 3%.

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Lower utilization

You can get that utilization down to 3% by paying the rest off before the cycle date, before the due date.

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