I really can't tell you why it has not came up more. My actual report is still pretty much the same. Nothing negative has been added since I originally posted this. Haven't closed my oldest account or anything and I also have less debt.......I guess the only difference is now I do have student loans....but payments are deferred until 6 months after I graduate
@Anonymous wrote:
Why is your score only 20ish points higher two years later? What's going on in your credit for that is still holding you down? Because as old negatives age & new positive accounts mature, they both have positive effects on your score.
