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msbear55

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Low Credit score?
Who can I talk with concerning what's making my credit score low. What I can see it's not obvious to me.

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If you are not seeing any derogatory accounts, such as charge-offs or accounts in collections then your low score may be due to not utilizing credit. Have you had any loans or credit cards in the recent years? If not that may be the problem. Depending on where your score is you may want to try to get a secured credit card and use it to build up your credit score. Make sure you don't charge more than 25% of your available limit during any month. Not using any credit (especially revolving credit) is almost just as bad as having bad marks on your report. Search this site and also google "how to build credit score"

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