I ordered my report from TU and this is what they say affects my score. However, none of this is accurate and some is contradictory: Here are the top factors that make your score lower: In the past 2 years, you have missed 3 consecutive payments 20 time(s). You opened your first credit account 7 years and 7 months ago. You currently owe $2,029 on your revolving account(s). Here are the top factors that make your score higher: You have 10 revolving account(s) listed in your credit report. This is making your score higher. You currently owe $20 on your revolving account(s). On average, you are using 1% of your credit limit on your credit card(s). How can I owe both $20 and $2,029 dollars?
