Why is my EQ/myFico score so low? i have been sitting at 583 since may. I have yo-yo'ed up and down a few points but i just cant seem to pass 600. On the other 2 im at 637 and 629. All reports are reporting correctly. My utilization is low below 10%. Ugggh hopefully by the time i hit my 6month mark in december i can humblely get into the 600 club at equifax. Only factors that i can think of is my student loans say current however, when i look at payment status june threw oct is not reported. And i have loans that were transferred to anthor lender that are reporting 0 balance. It should be 20k i dont know if thats a good thing or bad thing, when my loans were reporting my dti was 5% I have been able to open trade lines with that low score total debt now is about 9000 availble credit is 1250..i think someone here explained tonme previosly that if you dont have 2500 cl that the score will be depressed anyone else hear or have knowledge of that? Just a rant.
C1 Venture 15K| NFCU NAV CHECK 15K| CASH REWARDS 5K| CARE CREDIT 3K| NORDSTROMS 1K| LORD & TAYLOR 1100| WALMART 600| TargetRed 500|Rebuilders
CAP1 1650| CAP 1 1100| BARCLAYS 2500| NREWARDS 8500|
SCT: VS 1100| EXPRESS 1100| JCREW 250| *HIDDEN TL BML 650
SCORES 709, 657, 623
Pre BK scores: 569, 587, 553
Starting Score: EQ593 EX 633 TU 649