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
