I checked my wife's and my EQ report, and compared her positive and neg factors to mine, which is supposed to be a measure of how our scores are reported, so this is what I do not understand: Mine (negative): The proportion of balances to credit limits on your revolving/charge accounts is too high...The proportion of balances to credit limits on your revolving/charge accounts is 11%. The average proportion of balances to credit limits on revolving/charge accounts carried by U.S. consumers is around 34%. Wife's: (positive): You have a low proportion of balances to credit limits on your revolving/charge accounts... The proportion of balances to credit limits on your revolving/charge accounts is 17%. The average proportion of balances to credit limits on revolving/charge accounts carried by U.S. consumers is around 34%. It's funny how my balances are a lower % and yet it's a negative factor, lol. The interesting thing, though, is if it actually IS being calculated as a negative, hmm...
