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I pay my credit card off every month.
so that should not have as big of an impact on my credit score that you use for my credit rating.
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Are you using Turbo? --> https://turbo.intuit.com/
Turbo uses the VantageScore model and an explanation of the averages can be found at the link below.
https://turbo.intuit.com/blog/credit-score/average-vantagescore-1928/
Factors that influence your credit score (with the VantageScore model) can be found at the link below.
https://your.vantagescore.com/score-influences
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