<prompt> Human: Two suggestions that the credit card company website gave me were - 1. Proportion of balances to credit limits on banknational revolving or other revolving accounts is too highAs one of the most important score factors, FICO Scores evaluate account balances in relation to available credit on revolving accounts. Your score was impacted because your proportion of balances to credit limits on these accounts is too high.Keep in mind:People who pay revolving account balances, such as credit cards, as owed tend to show responsible credit behavior to lenders. However, keep in mind that consolidating or moving debt from one account to another will usually not help since the total amount owed remains the same.2. Lack of recent installment loan informationFICO Scores consider recent non-mortgage installment loans such as auto or student loans information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans.Keep in mind:In general, people who purchase with an installment loan, and pay back the loan on time tend to demonstrate the ability to manage a variety of credit types. However, a new account opening, and to a lesser extent the credit inquiry associated with applying for a new account, may demonstrate higher risk in the short term.Here are some questions I have -1. What sort of interest rates can I expect based on my score? I know it probably depends on a lot of factors, but if I would like a ballpark number2. How good or bad is my score compared to most people?3. Based on the suggestions the website gave, should I request an increase in credit? Is there any downside in doing so?4. Is there any downside in requesting to see your FICO scores?Thanks for all the help!P.S: Oh...Stepped out and came back to your comments. So bottomline from all of you - Dont fret over it. Got it.Thanks!  <response>: 776 is a really good score, there is really no need to improve it.Typically 740 receive the best offers from creditors. 