Valued Contributor
Posts: 1,305
Registered: ‎01-05-2010

fico64 wrote:


I have a difficult time with a non human machine telling me on the one hand  that I have great credit history and rates it as a positive factor, then 35 days later, without impunity changes it's mind and downgrades me and penalzes me on paper as a negative.  Yes, some mathematical alogrithim gone wild!


Does your negative factor look something like the image below? It's a couple of years old; a new card had reported, but my oldest card and AAoA in whole years had not changed.




Are you living within your means?