This has probably been answered before somewhere throughout these forums - But I've been denied for credit simply because of my length of the credit bureau. My score is around 660-670 yet creditors say the length of time on the bureau is very risky. I've been on the bureaus about 2 1/2 years going on 3. I was just curious as to the length of time creditors of the bureaus need from to consider me a worthwhile risk. And also, TransUnion must hate me. My score is loads of points lower than my EQ and EX. All my cards are paid on time UTIL around 10-15% on all my cards. I have a Chase CC with a CL of 2k, Capital One with a 500 CL, and a Guitar Center CC with a CL of 700. I also have a Car Loan in my name as well. So my balance is good, 3 revolving and a Loan. Also, I have inquired to receive credit alot the past two years, which I just now realized hurts your credit if you are actively seeking. The last inquiry was back in November. How long will take to go without ANY inquires before my score reflects EXCELLENT in that area? Thanks for your help!
