I can't seem to get my TU or EX score to change! I've been stuck with TU @657 and EX @679 for MONTHS! I've been making good progress on my EQ which is currently @727.
The factors hurting EX are:
- You have a short credit history. (Another account turned one today so that will help a little)
- You've recently been looking for credit. (It is showing 19 inquiries but 7 or 8 of those were all looking for the best rate on an auto loan)
- You've made heavy use of your available revolving credit. (I'm working on that......)
- You have too many credit accounts with balances. (Five of 13 accounts are reporting balances, three CCs, one auto and one mortgage)
It is getting frustrating because I want to see 700s across the board but I can't get TU or EX budge. I guess only time and continuing to knock down my util% will help.
I guess EQ is the only one that loves me.
