U.S. consumer credit scores are holding steady, with the average score reaching 670 in April, up one point since the beginning of the year, according to new data from Credit Karma Inc.

In April, average consumer credit card balances were $7,701, down 2.8% from $7,925 in January, according to the San Francisco-based company, whose website tracks credit scores. Consumers in April also had an average of $177,186 in home mortgage loans, $50,889 in home-equity loans, $14,873 in auto loans and $27,777 in student loans.

Credit Karma also released April data showing the percentage of consumers making on-time payments in various credit-score ranges, along with their total debt from all types of loans.

Consumers with the highest credit scores of 800 or above had total outstanding debt of $55,442 and a 99.99% record of one-time payments. Those with credit scores between 700 and 799 had total debt of $126,646 and an average 99.47% record of on-time payments.

Consumers with credit scores between 600 and 699 had total debt of $92,029 and a 95.72% record of on-time payments. Those with credit scores between 500 and 599 had total debt of $42,883 and a 74.19% record of on-time payments. Consumers with credit scores below 500 had total debt of $40,652 and a 59.55% record of on-time payments.

“While many people assume you have to get into debt to have good credit, the reality is that only people with good credit can get loans, and you see it in this data,” Ken Lin, Credit Karma CEO, said in a statement. “People with credit scores lower than 500 often have debt that is either delinquent or in collections. People with scores above 800 have less total debt than those at 600 or 700, illustrating (that) you don’t need debt to have perfect credit.”

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