The KIQQI research series
On-time payments can coincide with high credit utilization, while short account histories can accompany frequent credit activity. KIQQI Research explores these patterns across 41,953 credit-check submissions.
Explore three findings on credit utilization, payment habits and recent credit activity.
Explore reported utilization, the overlap between on-time payments and high credit use, and a combination of short credit history and recent credit activity.
Credit Score Statistics & Insights 2026See how account age, applications and new openings appear together.
Explore credit activityExplore how responses were mapped, how eligible totals were calculated, and how the findings were assembled.