Credit score

@JJLANEGONR wrote:
My debt is less than 20% and I get a fair score

There are a number of factors that affect your credit score.

See https://www.thebalance.com/factors-affecting-credit-score-960527 and

https://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-affects-your-credit-s...