I have 3 credit cards, all around $1000 limits, unfortunately, they are near the spending limits, I have heard you want to keep your credit card balances at least below 50% of the credit limit. I have an auto loan, going on about 40 months, never been 30 days late, I pay rent, so no mortgage's, Verizon tagged me for a 30 day late about a year ago, for a $35 bill, thats the only negative thing I could find on it. All my accounts, past and present say "Pays as agreed" I just don't understand why my score is so low, the only thing the report says are negative, is lines of credit are too short, they go on to say average line of credit is 7 years, I have only had credit cards for a few years even tho I'm 46. This credit thing is killing me.
