CR says what is hurting me is new collection 1yr 11 mos old

[RUSTY101]

I dont get it. Fico says what is hurting my score is this new (1yr 11mos) collection.

Second thing was recent late. It said I had a late 2yr and 4mos ago.  I will never understand it

[Anonymous]

Because you don't have more current items for them to knock on is why you get this message.

One of the things listed as helping my credit is

1. You've limited the use of your available credit.

Ratio of your revolving balances to your credit limits 53%
For FICO High Achievers [?], this ratio is 7%, on average.

1. Your FICO score evaluates your total revolving account [?] balances in relation to your total credit limits on those accounts. Your FICO score was helped because you've kept this ratio of balances to credit limits low.

53% is better than 73%, but we all know that 53% isn't that great.

Message Edited by sidewinder on 08-15-2008 05:12 PM

[llecs]

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sidewinder wrote:

Because you don't have more current items for them to knock on is why you get this message.

One of the things listed as helping my credit is

1. You've limited the use of your available credit.

Ratio of your revolving balances to your credit limits
53%For FICO High Achievers [?], this ratio is 7%, on average.

1. Your FICO score evaluates your total revolving account [?] balances in relation to your total credit limits on those accounts. Your FICO score was helped because you've kept this ratio of balances to credit limits low.

53% is better than 73%, but we all know that 53% isn't that great.

Message Edited by sidewinder on 08-15-2008 05:12 PM

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I'm gonna guess, but I posted before that on one report, util was around 15% and said was good. However, the other had the same percentage and it was bad. Go figure.

[Anonymous]

Sounds like the bureaus score differently in whatever buckets you may be in llecs.