Low FICO scores?

[megaman1]

I've seen many people on here with many CC with great CLs and they have 1-9% util, and good AAoA, but their FICO scores are sub 700... How can that be justified?

[lhcole77]

FICO scores are just one factor taken into account when granting credit.

[user5387]

Payment history is around 1/3 of the score, and that can't be magically fixed if it's got holes in it.

[Involver]

Old major negatives can keep scores sub-700 even with a pristine credit history since.  I had a student loan default in 2008 (currently being rehab'd) and have several major lates on my CRs related to the default but have a spotless history since.  Currently sitting at 691.

[megaman1]

Thank you for everyone's knowledge!