Those with fair credit may have fairly short credit histories, a few fairly recent negative items (like delinquent payments), or
a particularly high credit utilization rate.
Not exact matches
Yet, as you'll see, there are occasions,
particularly with
credit cards, when this
high amount can seriously affect your score via one of the most influential sets of score calculations — revolving
utilization.
This is
particularly effective if you have large
credit card balances and, thus,
high utilization rates, as
high credit card
utilization can significantly drag down your score.
Particularly for anyone who has a lot of moving parts to their
credit (
high number of inquiries, variable
utilization, etc..)