<prompt> Human: Ill make this post quick and to the point. I created a throwaway for this because several family members and a professional colleague know my normal reddit username and I really dont want them seeing this.I am 24, and have been carrying about 3,500 in credit card debt across 2 credit cards for the past 1.5-2 years. One card is from chase and the other is from capital one. I have been making regular minimum monthly payments this entire time, but have been several days to a week late probably 5-8 times on these minimum payments.I just signed up for credit karma and requested my free credit scores. I was actually really surprised by some of the results and Im not sure what to make of them or how to feel about them.According to credit karma, I have the following scores: Transunion score of 731 VantageScore of 737 Auto insurance score of 863 Home Insurance score of 855I was really surprised by the Transunion score of 731. I thought it would be much lower. At the same time, Im not sure how much weight each score has, and how important each of them are.I will be moving out and getting an apartment for the first time in several months, and so I am starting to realize that I really need to understand this information better. The fact that I am even having to write this post at age 24 scares me. I feel like I should have become knowledgeable about these things sooner.So, I guess my main questions are why is my Transunion score so high? I figured it would be low due to my credit card debt. How important are each of those scores, is there one that I can focus on the most? It would be really nice to know that the Transunion score is the most important, but I want to make sure, especially when it comes to getting an apartment.Last but not least, is there anything else I should be focused on or concerned about based on the information I provided?Thanks rpersonalfinance I look forward to reading here on my regular account and giving myself the knowledge to fully understand how all of this works. Hopefully some day soon Ill be able to post valuable answers for newcomers like myself.Thank you for all of the help.  <response>: the amount of your debt is only one factor. the fact that youre paying on that debt monthly shows youre a responsible credit card user, even though youve been late a few times. late payments wont be reported unless they are at least 30 days late, so theres quite a grace period there. take some time and read the FAQ sections for FICO scores so you can get a better understanding of what determines your score. you wont have any issues getting an apartment. in that regards income will be more important than your score. 