well i pulled my experian since last cc payment was reporting on experian, and was shocked at my score in an really bad way. I have an small ding from opening an new cc recently. Its still saying i need more accounts that are in good standing, as it shows now i have 10 accounts according to report showing, how is that not enough? I do have one paid CO from 2007. Is that is what is causing my score to never go up ?
New accts really get ya. I just had a 48 point drop the other day and SW is saying the "possible cause" is a recently opened account, although my most recently opened is a refi last June that has reported 2 months already. What Guiness said about finding a negative made sense. Depressing, very! But at least helpful. 