@Anonymous wrote:
@longtimelurker wrote:
@Anonymous wrote:I got the PDF as a letter not in the mail and it came to this. I found that several cards hasnt been updated for the balance to be corrected so ingore that. But look at the score. I also see it says if you have issues, contact equfiax.
But, this, I'm confused, I dont have real estate loan lol
WTH?!
You seem to be misinterpreting, they agree with you! You do not have a secured real-estate loan (e.g mortgage against a house or similar) and so that counts against you as not having a variety of credit types. Impacts FICO too.
I have not seen FICO reason codes mention lack of a mortgage, only installment loans in general. Whenever I see the "lack of real estate secured loan information" reason code, I already know its VS.
https://www.fico.com/en/resource-download-file/3425
Sorry, I meant lack of variety of credit types also counts against you for FICO.