Your VantageScore reason code report

Continue to enter your reason codes, one at a time, in the search field in order to generate a list of printable explanations below.

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BS: Open bankcard account balance/credit amount ratio is too high

Explanation:

You have bank credit card accounts in your credit file with balances that are high compared to the credit limit on the account, which is a proven indicator of increased risk.

What you can do:

Pay down balances on your accounts and keep them below 30% of the total credit limit on that account. Over time this will have a positive impact on your score.
 

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