Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
Re: Fico Score did not improve after 7 month credit card activity

What's the #1 and #2 negative reasons on your FICO report (pg 2...if you don't mind me asking)?

 

If payment history is "good", then there is a baddie or baddies present that are holding things back. Look on your Accounts page. You mentioned a negative account. Look on the Accounts page and look for any account with a red flag. Those with a red flag are holding your score back in some way or another.

 

If "very good" is listed for Amount of Debt. There could be utilization issues holding your score down. What's your current util?

 

Where is the lack of activity ranked at? #3? #4?