71: Not enough balance paid down over time on auto accounts


The amount that has been paid down on your open auto loans is low. People who haven't paid down much of their auto loan balances are higher credit risk than people who have.


As monthly auto loan payments are made, a portion of the outstanding principal balance is reduced, benefitting your score. Whenever possible, pay down balances on your auto loans. Over time this will have a positive impact on your score.