One of the negative reasons given is: "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 14%. The average proportion of balances to credit limits on revolving/charge accounts carried by U.S. consumers is around 36%." Please check my numbers and let me know if somehow I've lost the ability to do simple math in my old age: Current balances: $10,308 Current credit limits: $81,900 Ratio of balances to credit limits: 13% Isn't 13% (or 14% as TU has it) LOWER than 36%? Aren't my current balances more than 50% less than the average? Am I reading this wrong? Are they ultimately saying that doing BETTER than the average consumer is a negative? Somedays I swear the credit industry is conspiring to make me think I'm crazy!