Transunion Score Analysis Question

[Anonymous]

I am a Scorewatch subscriber and just pulled my other two scores today. Total are as follows.

TU 755    EQ 763   EX 774

I looked at the TU detail and it says that the total non-mortgage debt is a negative factor. The amount is $22k. About $21k of that is student loan debt, which isn't exactly revolving.

Is that normal?

[Anonymous]

Non-revolving debt and its utilization is a factor, it just isn't scored as harshly as revolving debt.

You have great scores and the higher up you go the pickier the comments will be.

Do you have a high percent of the debt remaining from the total loan amount? Often times this message will go away once the % utilized goes down a bit.

I wouldn't worry about it too much, it is clearly not holding you back much.

[MidnightVoice]

Anything over 750 and they start being really sill about what is holding your score down.  Until you reach 800, when they usually stop whining!

[Anonymous]

My utilization on a macro level is around 3%. I do have one card that's at about 13%, but that's abnormal since I went on vacation in July. Normally that one account sits under 10% and I pay in full every month.