Looking for some help and education

[GApeachy]

What is "self inc" 20 months, how is it listed as on cr?

[Skippy101]

Self inc is a CD credit builder account it's listed as installment loan I had to do that before I could get a discover card that was secured 

also all my cards are unsecured now 

[Kforce]

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@SouthJamaica wrote:

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-you have 4 credit cards

-your revolving utilization is 3%

-all revolvers except one are reporting zero balances

-you have no negatives

There has to be some information you're not mentioning.

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^^^ This

My daughter has similar account age, 4 cards, lower CL's, with newest card 3 months, no loans and 1 inquiry but  830 Ficos.

Something is pulling your scores down.

You and/or us are not seeing the full profile info

Something is amiss.

[Thomas_Thumb]

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@Skippy101 wrote:

Sooo the past 5 months my score has stayed at 696 fico from experian wont go up or down I have 4 cards ult at 3% azeo no lates or misses all baddie's removed so my question is why won't my score go up or down if im keeping all my accounts active and doing everything right 

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You must have a derog lurking or a split file with a derog or are joint or a cosigner on an account with a derog.

Clean files at low utilization with scores under 700 are almost unheard of - unless you are new to credit with several recent inquiries & accounts, or have a derog.

[GApeachy]

@Skippy101 which is your oldest account? Date opened.  I'm trying to connect the dots "average age 6.4yrs"

Include closed too, how many and their status like are they all in "good standing"?

[SouthJamaica]

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@Skippy101 wrote:

Looked at my report just now 

avg age is 6.4 years 

most recent is 8 months 

car loan 25k left to pay no misses 

chase freedom zero balance 4500 limit 

chase freedom flex zero balance 4500 limit 

Bank of America customized cash 5000 limit reporting $50 balance ( my azeo ) was paid after statement cut 

discover card zero balance 2500 limit 

self inc 24 months fully paid in 20 months 

that is everything on my report never miss or pay late always pay in full 

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Then I  have no idea why your scores are that low. They should be in high 700's.