How Do I Get "Credit" For All Our Monthly Charges?

[SunOfBeach]

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Your score is based on

Credit Age... no way to improve this other than to back in time and open up card a few years ago. That is, unless you have 1 card that's 12 years old and 1 card that's brand new... you can close the new card and you're average age will go from 6 years to 12 years.

Credit History- NO late payments. Again, no way to fix this other than continue making payments on time.

Credit to limit ratio- when you open up a card, they take a look at your current accounts. If they see that you are using 90% of your limit, they will turn you down for new cards. Just pay off everything and keep the total used % low.

Inquiries- the amount of times someone has done a hard pull to look at your credit history. If they see a high amount, they will be weary. Inquiries usually disappear after 6-12months. There are techniques to bump off inquiries, if you have a lot I would suggest reading the fatwallet forums (actually, you should anyways)

Probably missing a few minor things..

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Thankyou for this - this was really great.

Sadly, you're confirming what eastbay said (that having a large available credit line is irrelevant)... eh? Well, methinks the whole idea is pretty much squashed, then [img]/images/graemlins/frown.gif[/img]...

Again, thankyou for this.