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jax12345678

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how did my credit score drop while i'v been paying all my bills on time?

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Lots of things go into calculating your credit scores.  Visit www.myfico.com to learn how your FICO score is calculated (which is not the score you get here, but that is the score that 90% of creditors look at when you apply for credit).  To learn about the different types of scoring models (i.e. FAKO scores not FICO scores), go to www.credit.about.com and click on the tab at the top titled "Repair Credit".  There are several links regarding credit scores that should help you.  Best of luck!

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Why has my score dropped as I have never been late in 2 years? 

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Time to change the way FICO scores....

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It's time to change the way FICO scores are calculated.....it makes no sense to reduce a score when all payments are made on time and most of the time in-full!

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