I just received the PDF letter. I feel there is something wrong because I don't have any inquiry over the last 6 months. Also I never had a late payment. Credit age at least 3 years on average.
· Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquiries
· Based on your credit report from one or more of the agencies on the back of this letter, time since opening a credit card is too short
· Based on your credit report from one or more of the agencies on the back of this letter, there is insufficient credit card history
· Based on your credit report from one or more of the agencies on the back of this letter, length of revolving credit history