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moorecst

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Credit score report
why is my credit score lees than perfect? I have no outstanding bills, no mortgage and pay off my credit cards when the payments are due each month

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There are many items that make up your credit score.  FICO is calculated this way:  35% is payment history, 30% is utilization, 15% is credit history (length of open accounts), 10% is mix of credit (i.e. auto loan, mortgage, credit card, etc.) and finally 10% is inquiries.  If you are lacking in one of the areas it affects your entire score.  Hope this helps.

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