When we bought our house everyone looked at my 11 page credit report and said "wow, not one single late payment or decrepancy at all!" They also told me that I was in the top 1% I don't think they are bad numbers but if I haven't done anything wrong why isn't it higher?
Could be balances on cards greater than 35% of credit limit, credit history in length of time established, types of accounts..
A long term proposition was the amount of available credit and amount of cards. I have 9 open credit cards with a 41k limit, one motorcycle loan $21k, mortgage $150k.My credit score didn't drop when I opened a new $9500 account at Home Depot.
Si Vis Pacem Parabellum
1967 Starlight black PMD Engineering 400 Auto 1968 Alpine Blue 400 4 speed 1968 Verdoro Green 400 HO 4 speed 2013 1LE 2SS/RS Inferno Orange Camaro.
