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Question By
Tonynony

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Why has my credit been lowered?
I checked this morning and in the afternoon it changed why, and why is my trans union credit so low when i have no debt or payments due.

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Top Contributor
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You're going to have to do a little research. Pull your transunion credit report and review the accounts listed on it. Things to look for that typically lower your score:

- Have there been any credit inquiries?

- Have you opened any new credit?

- Have you closed any credit?

- Did you miss a payment somewhere?

- Did you make any recent big purchases using credit?

Top Contributor
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If you have no debt, your score will be very low.  In order to have a credit score, they have to see how you handle credit.  If you have very thin file, (i.e. no open debts credit cards loans etc) then they have nothing to judge against.  To learn more visit www.credit.about.com for lots of great info on how to increase your score safely.

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