credit card balance is a big one, if you exceed 50% of the avaiable balance it hits the score hard.
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And that is one of the unfair scoring policies i have raised with the bureaus in recent yesrs. because of the advent of rewards points and certain card benfits, many have altered how they'd generally pay in oprder that they may accumalate reward points, for whatever. I pay my cards at the end of the month and it should be such that card companies offering rewards should wait until such time as the statement due date has passed before they report to the bureaus. Further, reporting highs should be discontinued for the same reason.

I'm surprised the credit card companies could consider involving themseleves in such a unfair quagmire when it is them who seek the enticements.

The pessimist complains about the wind; the optimist expects it to change; the realist adjusts the sails.
William Arthur Ward