I just checked my TU score and report . My score is 656 and the reasons are TOO FEW MORTGAGE ACCOUNTS NOT ENOUGH MORTGAGE ACCOUNT ACTIVITY HAS A NEGATIVE IMPACT ON YOUR CREDIT SCORE Should I get a mortgage just to raise my score. MONTHS SINCE MOST RECENT SERIOUS DELINQUENCY IS TOO SHORT YOUR CREDIT REPORT REFLECTS A DELINQUENT PAYMENT HISTORY. MAKING PROMPT PAYMENTS OVER TIME MAY IMPROVE YOUR CREDIT SCORE. I have one account showing 30 days late over 4 years agao the account is not mine but they keep verifing the account as the payment info is corect . TOO MANY RECENT INQUIRIES EXCESSIVE INQUIRIES HAVE A NEGATIVE IMPACT ON YOUR CREDIT SCORE. LIMITING THE NUMBER OF CREDIT APPLICATIONS YOU COMPLETE MAY IMPROVE YOUR CREDIT SCORE Ok I will give them this one I did go credit shopping and screwed up How long to inquiries realy affect you score?
JUST IGNORE ALL THE LIES...they have come up with many new reasons to DENY credit... I GOT A FAKE DENIAL REASON "EXCESSIVE CREDIT LIMITS" (NO SUCH F.I.C.O. REASON) They can make up some more new DENIAL reasons... EXCESSIVE LENGTH OF EMPLOYMENT (10+ YEARS) EXCESSIVE INCOME ($100,000+) MORTGAGE TOO CLOSE TO PAY-OFF NEWEST ACCOUNT TOO OLD (10+ YEARS) LACK OF RECENT INQUIRES DEBT TO INCOME RATIO TOO LOW NEED I GO ON???
