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Posted in Auto Loans
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CLARENCEDELTON

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I NEVER HAD CREDIT CARDS UNTIL-CAPITAL ONE & CREDIT ONE.
I JUST OBTAINED CAPITAL ONE & CREDIT ONE CARDS TWO YEARS AGO... ONLY TWO CREDIT CARDS I'VE EVER HAD.... SO Y IS MY CREDIT SCORES LOW?

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The fact that you only have those two things on your credit file is why your score is low. You also have not mentioned if you have paid them on time all the time.

A high score is not achieved by credit frugality.  The more lines of credit you have the better it is, as long as you do not use them over 10%. This proves over and over again that you can use credit wisely and that you are not a risk to lend money to.

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