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Question By
Milleamy

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Credit rating, score
I have an "A" for payment history but an overall "F" for my card rating and I would like to know how to raise that significantly? The other factors are by 2 na's, 1 B and 2 F's for a total score of F. Please help?

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Top Contributor
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Payment History is one of the biggest factors and one of the hardest to recover from so you are ahead of the game if you are starting with 100% On Time payments.

Other major facors include Utilization and Derogatory Remarks but the other categories can't be ignored and can have a significant impact as well. Can you detail which areas you have the NAs and Fs for?

Open Credit Utilization

Avg Age of Open Credit Lines

Total Accounts

Hard Credit Inquiries

Derogatory Remarks

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