Re: Re: Re: Re: Perfect credit but still a BTW- The higher you get the harder it is to gain just one lousy point. The difficulty increases exponentially. My Report -> Top Negative Factors Because your FICO score is high, these reasons may seem "picky" and you should not consider them to be serious flaws in your credit history. They are simply factors on which you did not score the absolute maximum possible points and leave some room for improvement. They don't seem picky, thay ARE picky. That's my point, (no pun intended). LOL