Think about it, someone who owes $50,000 and is making minimum payments every month is a lot more likely to default on a loan than someone who borrows a few hundred a month once in a while.

If you want to see your real Experian FICO 8 credit score for free you can do so at freecreditreport.com which is a site now owned by Experian. They break down each part of your credit score and grade you on each. (A-F)