第二个我觉得是因为我用那个amex 的green rewards卡的缘故，没有limit,所以就把
balance作为了limit上限，影响了信用分数
第一个呢，是说我信用记录还太短？放在了negative的factor里面，
谢谢
Credit history
You opened your first credit account 5 years ago. This does not include
disputed accounts and accounts
for which the date opened is not reported. [ More ]
2.
Credit usage
You are currently using at least 50% of your credit limit on 1 open bankcard
(s). This only includes
accounts for which the credit limit or highest balance is reported. This is
because if the credi
