Originally Posted by
good_boy_1234
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
3 Years average credit age is not that long. How old is your oldest card? and how many open/closed cards do you have?
I'm also around a similar credit age (average 2 years 9 months), as I've only been in the US for around 5 years.