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To improve your score the following areas should be addressed: |
1. Too many accounts with a balance (Reason 50) maybe- but they are all PIF or 0% (except morgage) |
2. Too many personal finance accounts (Reason 58) i have 1 over 7 years old |
3. Too few retail accounts (Reason 42) I have 2 about to be 3 |
4. Length of time oldest bank revolving account has been established is too short (Reason 17) yep only 7+ years old |
Your Trans Risk Score is : 768 as of Jun 16,2008 , Source TransUnion
To improve your score the following areas should be addressed: |
1. Too many bankcard accounts (Reason 52) |
2. Length of time accounts have been established is too short (Reason 35) |
3. Length of time premium bankcard account has been established is too short (Reason 19) |
4. Revolving account balances are too high in proportion to credit limits (Reason 31) |
1) I have 12. Yeah, maybe that's too many.
2) Yep. Fair enough.
3) OK. I'm not sure which of my cards is the so-called "premium bankcard account," but I'll buy that.
4) Nope. Not buying that one. Revolving utilization on TU is 1%.