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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49: Not enough balance paid down over time on revolving accounts

Explanation:

Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The amount that has been paid down on your open revolving accounts is low. People who haven’t paid down much of their revolving account balances are higher credit risk than people who have.

What you can do:

Whenever possible, pay down balances on your revolving accounts. Over time this will have a positive impact on your score.
 

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