Instrument loan, financing from music & arts. 0% April 36 months until 12/25/24

Instrument loan, financing from music & arts. 0% April 36 months until 12/25/24 Credit score: 709 Payment history: 100% Credit usage: 5% as of last month; over 40% in previous 5 months (status:authorized user, main card user wasn't too savy on credit until I helped pay down credit usage from last month) Derogatory remarks:1 ; $1300 debt from ER visit from 2019 Credit age: 6 months, old account closed after 5 years 6 months ...

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