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.
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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