Reduce Installment loan balances below 80%Just as you would reduce your balances on revolving credit to 45% or less to increase your credit score, you would also reduce your installment loan balances to 80% or less to increase your scores also.

Credit bureaus know that it is harder to get an installment loan and they are usually bigger loans.  They also know they are fixed payments for a fixed amount of time.  All this adds up to being more lenient on the balance portion, but above 80% is still too much debt and doesn’t show much payment history for them to decide that you are a low risk.  But as soon as you get the debt below 80% of the original balance, your scores will start going higher and higher because of this one factor.