Factor 1: Length of revolving accounts have been established is too short: Longer credit histories provide more payment behavior information. Continuing prompt payments over a long period of time on the same accounts can improve your credit score. Factor 2: Too many recent inquiries: Excessive inquiries have a negative impact on your credit score. Limiting the number of credit applications you complete can improve your credit score. Factor 3: Too few retail accounts: Not enough retail account activity has a negative impact on your credit score. As for factor one, that's understandable, but when you are 17, you can't have had credit too damn long! I've had it since June of 2000, and NEVER missed any payments. Factor 2 was caused by some smartass friends who decided they would apply for credit in my name and use my identity. I had 2 cards I got and I NEVER applied for, so I canceled them. At current, I am disputing those 2 accounts and the inquiries on ALL 3 of my credit reports. Factor 3, What the hell! I don't see how not having a retail account could break you down. Should I apply for a retail card, and if so what one? Does anyone know why not having a retail account hurts your score. I feel that a score of 633 SUCKS, especially since I have 4 credit cards on there and a loan that's always been paid on time. Let me know what ya'll think.