My report is not right...HELP

[Anonymous]

I have 3 factors lowering my Credit Sore, the 3rd is heavy use of revolving credit.  That is incorrect!!  I paid off ALL credit card debt and my report even shows it.  Here is a screenshot of the page telling me it's hurting me while telling me I have 0% ration of revolving balances in the link below.  I don't understand....can ANYONE explain this

https://drive.google.com/file/d/0By9hd2QrImGVVWhaaS1qbUVqNTA/edit?usp=sharing

[Revelate]

Welcome to the forums!

Going to move this to the Product Feedback forum as that clearly doesn't look right; I will say though, you want at least one of your credit cards reporting a balance under any FICO algorithm: 0's across the board is a straight negative to your score.  I suspect it's just not coming through in the data translation well.

[Anonymous]

So are you saying that it's better to have even the smallest balance on just 1 of my cards than to have a 0?  

[Revelate]

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@Anonymous wrote:

So are you saying that it's better to have even the smallest balance on just 1 of my cards than to have a 0?  

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That's correct: the FICO algorithm as currently implemented seems to consider all 0's as not using your credit unfortunately: this was an old holdover from when institutions weren't reporting additional data and might change in the future as a result, but for now a small balance reported on one card is close to optimal (the size of that balance matters some, to the tune of a few points, but you lose a lot more than that with all 0's).