So the wife gets a revolver with Amex and the FICO comes because we got the middle tier, I guess.
Key factor that contributed to score:
#1 = number of accounts with delinquency.
So I go pull a fresh experian. NONE listed! Unless you consider a 30 day late in 2006 - but I though that only hit FICO scores for 2 years.
Any ideas smart people?!
Sounds like you have a really clean credit report and the model had to grasp at straws and split hairs to find anything to be critical of you about. Sometimes when you have a really good score it messes the part of the scoring that provides an analysis of negative and positive contributors to your score. I would take it with a grain of salt to throw in another figure of speech to a response which is already full of them.