Middle Credit Score®

Debt Tracker

Lenders don’t just look at what you owe — they look at how your debt patterns trend over time to judge how dependent you are on credit.

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Debt pattern matters more than balance

Debt Shows Habit, Not Just Amount

Your balances tell one story, but your behavior tells another. Lenders interpret whether your debt is increasing, stabilizing, or decreasing — and that trend is what influences classification.

Upward Trends Signal Financial Pressure

When balances rise repeatedly, even slowly, it signals reliance on credit to stay afloat. That raises perceived risk long before a missed payment ever appears.

Tracking Helps You Control the Narrative

By monitoring your debt trend and correcting direction early, you prevent lenders from assuming distress or instability — which protects your Middle Credit Score® from being misclassified.