Starting to question Myfico
03-03-2013 05:58 PM
Ok, I'm having a hard time understanding and now be leaving in Myfico ..how 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