Ignore it. The reasons your score isn't better that are listed are often nonsensical unfortunately especially when we're talking the third or fourth reason: they're their because of regulation requirements, and so they put things that can't be argued with. It would probably still show up even at $0.01 aggregate balance on some files, when we know that $0 balances across the board is a straight negative.
There's only so many reasons someone with a clean file can be given which generally boil down to: make your payments, on time, and let time pass.
@cbarret2 wrote:One of the factors at the bottom of the list of things hurting my score is high utilization. But 3% is average for FICO High Achievers. I don't get it.
1. You have a short credit history.
2. The remaining balance on your mortgage or non-mortgage installment loans is too high.
3. You've made heavy use of your available revolving credit.
Let's see if this explanation helps.
FICO wants to provide reasons for your score not being perfect. The weaknesses they cite are purely the weakest parts of your credit profile. If you have perfect payment history, a good mix of credit, show recent use of credit cards, have not applied for credit recently, and do not have any negative items on your credit profile, obviously these cannot be weaknesses. So what else they got? Basically the 3 things you listed. These are about the only things you can improve at this point to increase your credit score.
