@Anonymous wrote:Thank you for your reply. I'm wondering if I've just hit a road block on raising my score anymore until I have more of a history. For my age, my score is great (I'm 22). My report has three credit cards on it with less than 20% usage on all of them, a paid off student loan (now with no lates), no collections, no other lates, and a car loan. However, my history is only 2 years old. Could this be holding me back?
...generally 24 mts of on-time payments with no negs will tend to max the payments section of FICO's scoring model ...but "generally" is meaningless with FICO because there are so many other factors considered, many of which can only be guessed at ...Average Age of Accounts (AAoA) is probably a factor affecting your current scores but since you have not given enough info on that, its difficult to even guess.
...some credit monitoring sites such as CK get faster updates than myFico because they are owned by a CRA ...you didn't indicate a time-frame in your post ...it may just be a matter of waiting for the changes to hit myFICO ...and afaik CK uses a FAKO score model that doesn't weight Student Loans like FICO does ...hth
