Your VantageScore reason code report

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P32: Balances on bankcard or revolving accts not too high compared to limits

Explanation:

Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. Your balances on bankcard or revolving accounts are not too high compared to the credit limit amounts, which causes your score to improve.

What you can do:

Keep low balances on your accounts; this will benefit your score.
 

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