New reason code??

The credit bureaus are grasping at straws. One of my reason codes under Credit Expert was "total credit extended to you across your bankcard accounts is less than the average in your credit category". So I should go and apply for more cards and get higher credit limits. But if I did that my reason would read "credit extended to you....is more than the average". There is no winning with them.

Dani

 

DISPUTE all your inquires OFF...then you could have a reason code...NOT ENOUGH INQUIRES!!!

 

Dani,

"Credit extended to you is more than the average" was actually one of the reasons that improved my score according to Experian's CreditManager. The also explained that "Balance is more than average" was one of the reasons my score was not higher.

For KHM, I don't know what would help. For you, start paying down your debt to prompt them to increase your credit line automatically. That seems the be the reason why I never had to ask Direct Merchants Bank to increase mine.

Rina Conquering through Christ...and Creditnet

 

Of course not.You can't win against a rigged FICO!

 

George You are getting the hang of how FICO works.

 

WHEN YOU PAY $30,000 OF CREDIT CARDS OFF IN ONE MONTH (NO BT)...AND LOSE F.I.C.O. POINTS...YOU KNOW HOW IT WORKS...

 

Works like a charm don't it George?

 

You had the wrong thing for breakfast . Deduct 25 points from your FASCO Score!

 

AH ha : Finally figured it out didn't U ?

 

Yep that otta be good for a 25 point decrease: