I have two student loan accounts that were in a bad status but I rehabbed both and now they are in good standing and all the history shows as on time. However, myfico still has the little negative indicator flag showing next to the account. Does this matter when it comes to my score? These accounts don't have ANY lates at all. Please advise.
This is the flag:
In addition, myfico is showing my utilization as 0% but it is also reporting my balance on my revolving accounts. My utilization should be 7%. One of the negative factors showing is that I supposedly have no credit card activity but I use my cards all the time and I do let a balance report. Is this really affecting my score or is that maybe just a system glitch??
What is going on myfico???
