myFICO - "You have few accounts that are in good standing" - Please help (details inside)

[Anonymous]

Ok, completely free of any lates, 1 baddie on TU and 1 paid Verizon on all (3).  I currently have (6) credit cards that have all been paid early and PIF (I know keep small balance on one card but I'll open that topic in another thread).  According to my most recent myFICO report (1/30/2015) it has that as a "negative" and lists that I only have (2) accounts currently being paid as agreed, and it lists TU and EX for that (this is on the page under Reports and the "Fico Score" tab.  Now, I feel I have (6) and when I look at the "Credit at a Glance" it lists 10 revolvers for TU and 11 revolvers for EX. 

Can anyone help me understand this?  Why does this say only (2) when when I have (6) total?  Is this preventing my score from growing hgher? 

[Anonymous]

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@Anonymous wrote:

Ok, completely free of any lates, 1 baddie on TU and 1 paid Verizon on all (3).  I currently have (6) credit cards that have all been paid early and PIF (I know keep small balance on one card but I'll open that topic in another thread).  According to my most recent myFICO report (1/30/2015) it has that as a "negative" and lists that I only have (2) accounts currently being paid as agreed, and it lists TU and EX for that (this is on the page under Reports and the "Fico Score" tab.  Now, I feel I have (6) and when I look at the "Credit at a Glance" it lists 10 revolvers for TU and 11 revolvers for EX. 

Can anyone help me understand this?  Why does this say only (2) when when I have (6) total?  Is this preventing my score from growing hgher? 

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You really should ignore.  On any score below 850 they list a negative or two and often they are completely wrong.  It isn't affecting your score at all.  Similar to the reason(s) given in denial letters where they list stuff that doesn't apply to the applicant.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Ok, completely free of any lates, 1 baddie on TU and 1 paid Verizon on all (3).  I currently have (6) credit cards that have all been paid early and PIF (I know keep small balance on one card but I'll open that topic in another thread).  According to my most recent myFICO report (1/30/2015) it has that as a "negative" and lists that I only have (2) accounts currently being paid as agreed, and it lists TU and EX for that (this is on the page under Reports and the "Fico Score" tab.  Now, I feel I have (6) and when I look at the "Credit at a Glance" it lists 10 revolvers for TU and 11 revolvers for EX. 

Can anyone help me understand this?  Why does this say only (2) when when I have (6) total?  Is this preventing my score from growing hgher? 

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You really should ignore.  On any score below 850 they list a negative or two and often they are completely wrong.  It isn't affecting your score at all.  Similar to the reason(s) given in denial letters where they list stuff that doesn't apply to the applicant.

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Sounds good, thank you.

[AndySoCal]

The link below should help answer the question

http://www.scoreinfo.org/FICO-Scores/Pages/Score-Factors.aspx

[jamie123]

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@Anonymous wrote:

Ok, completely free of any lates, 1 baddie on TU and 1 paid Verizon on all (3).  I currently have (6) credit cards that have all been paid early and PIF (I know keep small balance on one card but I'll open that topic in another thread).  According to my most recent myFICO report (1/30/2015) it has that as a "negative" and lists that I only have (2) accounts currently being paid as agreed, and it lists TU and EX for that (this is on the page under Reports and the "Fico Score" tab.  Now, I feel I have (6) and when I look at the "Credit at a Glance" it lists 10 revolvers for TU and 11 revolvers for EX. 

Can anyone help me understand this?  Why does this say only (2) when when I have (6) total?  Is this preventing my score from growing hgher? 

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You have too many new accounts and you don't have enough payment history on those accounts. That's what is triggering the "You have few accounts in good standing." message. Once your new CCs age a bit that message will go away.