93: Not enough balance paid down over time on first mortgage accounts


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


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