Fico score breakdown confusion

[Anonymous]

Hey all...

So i went through all my scores to see what was hurting my scores.

A lot of them say "too few accounts paid on time"

But my payment history is 100% no lates ever. So why would it say that...new accounts? Can't figure it out..any help on this?

[Anonymous]

It can be kind of muddy for sure. How many accounts do you have? If it's only a couple, they may mean "your accounts are paid on time but you have too few of them" - I've seen this theorized here but I do not know for sure whether it's accurate. @Anonymous may have a better idea.

[dragontears]

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@Anonymous wrote:

Hey all...

So i went through all my scores to see what was hurting my scores.

A lot of them say "too few accounts paid on time"

But my payment history is 100% no lates ever. So why would it say that...new accounts? Can't figure it out..any help on this?

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That reason code normally refers to "file thickness" not payment history 

[Iusedtolurk]

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@dragontears wrote:

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@Anonymous wrote:

Hey all...

So i went through all my scores to see what was hurting my scores.

A lot of them say "too few accounts paid on time"

But my payment history is 100% no lates ever. So why would it say that...new accounts? Can't figure it out..any help on this?

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That reason code normally refers to "file thickness" not payment history 

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Agree! From a lot of the posts I've read that touch on this subject this seems as though it references file thickness.

@Anonymous  how many accounts do you have?

[Mr_Mojo_Risin]

It has to do with having to few accounts. 

I stopped getting that negative reason code after opening my 5th account I believe.

[Anonymous]

Ok thank i was confused about that..so this is  my accts list

Capital One. $3800 ..20yrs Au

Credit One. Amex $ 500.. 1mo

Hughes federal CU $2200.. 2mo (secured)  LOC $500.  Personal loan $300

AMEXskymiles plat.  $1700 .1 mo

NFcu. Platinum (5.99%) $3000. 1mo

1 DEROG

Cox cable collections $634 (3yrs 7 mo ) (paid for less 1/21)

I think it might be from me Derog still showing?

That is my file..that i know of other than fall off's no longer showing..

[Anonymous]

The Amex plat, NFcu, Credit One. Are not showing on my report yet.

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[dragontears]

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@Anonymous wrote:

Ok thank i was confused about that..so this is  my accts list

Capital One. $3800 ..20yrs Au

Credit One. Amex $ 500.. 1mo

Hughes federal CU $2200.. 2mo (secured)  LOC $500.  Personal loan $300

AMEXskymiles plat.  $1700 .1 mo

NFcu. Platinum (5.99%) $3000. 1mo

1 DEROG

Cox cable collections $634 (3yrs 7 mo ) (paid for less 1/21)

I think it might be from me Derog still showing?

That is my file..that i know of other than fall off's no longer showing..

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Are you sure that all of those accounts are currently reporting? Specifically, Amex generally reports after 2-3 statements and you state that card is only a month old....

[Anonymous]

Sounds like based on some of the OPs accounts having not showed up on his CR yet his file is borderline thick vs thin.  Tough to tell, but with that negative reason statement I would say it's pointing to it being thin.  The derog definitely doesn't help though.  OP, what are your other negative reason codes and can you list them in order?

[Anonymous]

BrutalBodyShots... none my only derog. Is cox cable..