My Credit Score is shockingly low
My score is shockingly at 670 - poor.
- My only Debt is my mortgage and car.
- Paid off my student loans
- I use my credit card for everything for the points - about 3-4K per month, but it gets paid off every month in full.
- All my bills are pre-authorized, so no missed payments.
I understand there is a credit utilization ratio for my credit card - but does that really knock down my credit this low? (the credit card limit is 10K for the one I use 99% of the time, my other older ones are 20K and 1K and they just sit in the drawer)
From what I remember, when I was getting my mortgage back in 2016 - I was in the 800's, I recently got a new Infiniti without any credit issues less than 3 months ago.
Do I need to take action?