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golly3

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running my own company, paying taxes, $300,000 per annum yet no employment history Why

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follow up

have operated business for twenty years, owe nobody but morgage, not in debt, have substancial savings and investment but score is poor 600-650

the whole idea of credit score based on insuficient information that you can not change or i dont know how, sucks

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As already said, employment and wealth are not factored into your credit. You say that you owe no one but the mortgage company, do you have any credit lines elsewhere? That may be the problem. You have to be using credit to get good credit. I highly recommend that you spend an hour a day for the next few weeks reading on how to build credit. You are confused on what goes into a credit score.

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Income and net worth not a factor

Income and net worth aren't a factor in your credit score. Also, employment history is reported by the employer (and a lot of employers don't report it).

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