Posts: 78
Registered: ‎11-08-2012
Starting to question Myfico

Ok, I'm having a hard time understanding and now be leaving in Myfico do I go from a 651 to 626 after paing my utility down from 72% to 30% and getting a 61/2 year  old baddie dropped off my report? 



This score decrease may be caused by these 4 new reasons:

  • You have a short credit history.
  • You've made heavy use of your available revolving credit.
  • You have not established a long revolving credit history.
  • You've recently been looking for credit.


# 1 the past few alerts haven't said this, why all of a sudden does it state short credit history, it's been 5 months since I opened my first 2 cards.

# 2 I just paid it down to 30% from 72%

# 3 it gets longer and longer each month. Granted 5 months ain'tlong but why throw this at me now?

# 4 haven't append for a card in 5 months and that's my only 2 I have.


Again I'm starting to question this site. Can anyone share some info?

Starting Score 11/2012 EQ: 615
Current Score 3/19/2014 EQ: 687
Current Score 3/19/2014 TU: 694

Take the FICO Fitness Challenge Discover IT $4500 Citi Simplicity Chase Freedom $3000 Cap 1 QS $1500 Cap 1 $300 Macy's $1500 Buckel $550 VS $500 Brylane Home $1000