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Lickurvspot

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Hi how come my credit score is so low with a 100% payment record
Hi I am getting screwed by making all my payment on time and have a screwed up credit score credit people suck

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Top Contributor
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Yes, credit people suck.  However, your payment history is only 35% of your credit score.  30% is utilization, 15% is credit history, 10% types of credit and 10% inquiries.  Also, the score you see here is just a fake score, nobody else sees it and it is not your FICO score, so don't sweat this score too much.  Pull your complete credit report from www.annualcreditreport.com and see what is really on there.  They also give recommendations/reasons for your scores being low on there.  Also visit www.credit.about.com or myfico.com to learn more about credit scores and how they are calculated.  Best of luck and keep up the good work!

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