Quote:
Originally Posted by MrGatsby
Unfortunately the 675 is simply due to lack of credit history. 4 years ago I started the process of building credit.
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Not true in every case.
I moved to the US from Canada and had to start over basically. That was in 2016, 3 years in and I recently crossed over into the "Excellent" range. with only "Oldest Credit line" in the "Average" range in the broken down sections.
But I am older, have a mortgage (at a great rate <4%), only 1 new account in the past year, and 1 inquiry.
Sign up for creditwise.capitalone.com and see the break down of your score and what you can do to improve it.
Goodluck
