2. Amounts owed. What is the balance on each of your credit obligations? (Even if you pay in full each month, there might be a balance on a given date.) How do the amounts owed vary on various types of accounts, such as credit cards versus loans? How many accounts have balances? Are you “maxed out” or nearly so on your cards, regardless of the dollar amount of your balances? (Credit scores are negatively aff ected if you have a balance on any card in excess of 30 percent of the credit limit on that card.)

On loans, how much of the original loan is still owed?