EXPERIAN

[Anonymous]

NEVER HAD A NEGATIVE factor until last few months.

Now they are saying my revolving balances are too

high.  I am at 2% util. 

i have been stuck at 782 since July. and I guess this

why.

I called them and asked "do you not want us to

spend any money in this economy?"

I also wanted to cancel my monitoring service but they cut

the cost in half.

I have never had any problems with them before and they

never sent me an alert.

[Anonymous]

Oh, you FICO High Achievers and your nonsensical "negative factors"! LOL!

There's a general consensus that once you've reached "high achiever" status that the negative factors grow increasingly mind-boggling. Best as anyone can figure, they've gotta come up with something, so pretty much *anything* will do. I once saw someone report a negative factor for high utilization when their utilization was zero. Go figure!

[haulingthescoreup]

What kind of Experian report is giving you this score and negative factor? Just curious.

[Anonymous]

I have used credit expert monitoring for years and I buy My Ficos  every couple of months.

[GregB]

I have also used CreditExpert for years. Their unlimited reports and blazing fast updates are great. Their scores and reason codes are nonsense. 

[fused]

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@GregB wrote:

I have also used CreditExpert for years. Their unlimited reports and blazing fast updates are great. Their scores and reason codes are nonsense. 

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Very true!!!!!!

[marty56]

Since it's a FAKO score, you can ignore the comments.  LOL I saw a statement once that said my revolving CC balances were too low.