Janet, you're already doing great by having a lower CCU than the average for members with similar credit profiles.* Having a lower CCU (credit card usage) is a big part of building credit, so you're on the right track!
Next, you can check in with your credit factors to see what else could be impacting your score.
*Based on a comparison using your TransUnion credit report information as of 04/17/2023 and an average of other Credit Karma members with similar financial profiles as of 04/27/2023.
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