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Curious about one of the "negatives" on my FICO score.

New Visitor

Curious about one of the "negatives" on my FICO score.

So one of the negatives on my account is "There is no recent activity on your credit cards.". I'm a little confused by this because I've had two revolving credit cards that I've been charging and paying off over the past year, and for the entire year this has ALWAYS stayed as the #2 reason for a "lower" score on my report. I even kept a revolving balance on them, purposefully not fully paying them off to extend the duration of activity and payoffs to increase my score.


How does this make sense? Is a year really still too recent? Or is there something else I can do to help it?

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Moderator Emeritus

Re: Curious about one of the "negatives" on my FICO score.

You are doing a PIF every month?  Is it reporting $0 balance every month?  Because FICO doesn't like that.  It likes to see a little balance on a card.  Less than 9% is usually the sweet spot.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
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