s*****r
发帖数: 4016 | 1 发现在三家的report里都有一条nagative，说我owe debt on 33% of revolving
accounts。我实际有三张卡，cl分别是1000,2500,3500，这个cl都显示在信用报告里的
，说明三家应该有这个信息。可是我只在2500那张卡有个167刀的balance（这个
balance也是按时还了的），其他两张卡的balance都为0。这个33% 的 debt是啥意思，
是说三张卡里有一张有debt吗？这个为啥会影响信用分数啊？不是说只要保持balance
低于15%的cl就好吗？
You owe debt on 33% of your revolving accounts.
This lowers your score. High balances are a negative factor because lenders
worry that you are living beyond your means and may not be able to repay
them. This is particularly true for credit cards. For installment loans such
as mortgages and auto loans, lenders often use the proportion of the loan
that is still unpaid to judge your ability to take on new debt. If very
little of your installment loan balances have been repaid, lenders may not
give you more credit that could add to your debt. No matter how high your
income, having a lot of debt may lower your credit scores because lenders
know that adverse changes in your employment and life events such as divorce
or illness may make it harder to pay your bills. Low balances, on the other
hand, are a positive factor because lenders do not stand to lose as much if
you become unable to repay them. However, not using your credit accounts at
all may be considered a negative factor, because it does not provide
lenders with information about how you typically use credit and repay your
debts. | l****y
发帖数: 8847 | |
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