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This is stupid


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I have been trying to boost my scores and be 100% debt free. I have no negative TLs. I pull my TU and get a FICO 723. Under top negative factors, I get:

The proportion of balances to credit limits (high credit) on your revolving accounts is 34%. The average proportion of balances to credit limits (high credit) on revolving/charge accounts carried by U.S. consumers is around 36%.

So mine is better than average, and it is too high? (FYI, my util is actually 24%, but my reports haven't caught up yet.)

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