Credit scores confuse me. I have great credit. Close to the max (of 850 here in the US, don't know if that varies around the world) and been that way for a long time. I work hard, I keep my debt minimal. I use my credit card for everyday expenses and I pay it off pretty quickly. Not always in full each month, but quickly.
So imagine my surprise when I checked my credit score using the Free option at my credit union website and saw this:
There you go. I'm not going to change anything (although the CC balance may go up soon in order to do some house projects) but thought it was odd wording. Maybe you know, maybe it is just some quirk of the people who do credit scoring, whatever.
I was going to ramble a bit about home improvement since that is why I started looking into this, but maybe I'll make it a separate post.