Credit Report Insights Contradictory

Issue:
Sometimes the insights provide contradictory information. As below, I got a consideration that I’m using less of my credit and more at the same time. For context it was that I’d paid off a credit card so the less credit consideration was correct. I have not increased my borrowing in the time between score updates.

Details to reproduce:
Check your credit score

OS:
iOS
Device:
iPhone 15
App Version:
5.59.0

Screenshots:

Do you have more than one card?

Hi Revels,

No, just the one credit card.

Cheers,

Might not just be credit cards. Could be online credit accounts, like PayPal, Klarna, Very, etc.

No movement on any of those things.

Could be that they’re a couple of months behind e.g December £1000, January £2000, February £0. One of mine is quite a bit behind on one card.