1. Age of oldest account 2. bank revolving obligations in relations to bank revolving lines 3. average age of accounts I do not understand any of these. Can you please explain it to me a bit? Also, I have debt with 2 credit cards but I pay more than the minimum every month. Much more but it hasn't gone down yet coz I use it too. It's a total of $5,000 and I pay about $300 for both credit cards a month. So where could I go wrong? I have been applying for a lot of credit cards and am always denied?