<prompt> Human: My wife and I are both almost OCD about our credit. We are in our mid 20s and have never missed and payments on anything. We both use our credit cards for everything and pay them in full every month. I have had a credit card for about five years now and she has had hers for about 3. Her credit rating is consistently about 20 points higher than mine, though. I dont see any factors that explain this. Neither of us are over leveraged or anything. So satisfy my curiosity: any reason this is true? Thanks! Assistant: No.Human: Im just curious about the difference, then. Any ideas?  <response>: Utilization 