You have no credit cards at all? How about some that charged off in the past that are still reporting that way? Something on your report is affecting your utilization and loans do not count.
Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700Take the FICO Fitness Challenge
