JSS3 wrote:Wow...6 cards won't even get me an "A". I can't see myself having any more than that. Don't have a mortgage/student loans/car loans either.
I wouldn't worry over it. Adding variety to your credit will help but take CK with a grain of salt.
Also keep in mind that even CK states number of accounts has a low impact on your credit score.
MemberSince99 wrote:What they tell you is a big joke - if you have 0% utilization it's a "C" vs going out and running up debt, how much sense does that make?
From what I understand the scoring models tend to work that way. 0% is unused credit. >0% is used credit. If you're not using your credit then you're not really managing it as far as they're concerned. It's definitely a flawed system and can be gamed to some degree but it is what it is. Utilization scoring isn't quite what you're stating. It definitely drops as utilization increases beyond certain points. Your comment makes it sound as if massive utilization is better than 0 and even CK doesn't claim that if you look at their scoring details.
MemberSince99 wrote:Another example - I rate "very poor" in terms of auto insurance score. I'm 40s, haven't had a ticket, accident or claim in 25 years
None of that has anything to do with your auto insurance score. While I agree that rating someone's likelihood to file an auto claim based on credit seems dubious they (including a number of insurance companies) seem to think otherwise. It's nothing unique to CK.