Diana asked:


I am currently 25 years old with one major credit card that I have held for nearly 10 years. I carry a few store credit cards as well. I pay all of my credit card bills on time, in full, never carrying any outstanding balances on any cards. All car payments paid on time, no student loans left…I recently checked my credit score for mortgage purposes and it was mid 600s. I was also denied a major credit card application based on my current score. What can I do to improve my FICO score??
I am currently 25 years old with one major credit card that I have held for nearly 10 years. I carry a few store credit cards as well. I pay all of my credit card bills on time, in full, never carrying any outstanding balances on any cards. All car payments paid on time, no student loans left…I recently checked my credit score for mortgage purposes and it was mid 600s. I was also denied a major credit card application based on my current score. What can I do to improve my FICO score??

In reply to comments – score pulled by bank for mortgage purposes, showed scores from all 3 major agencies. Read through the credit report fully, no red flags. I can’t figure out what pushed it down unless perhaps I just haven’t built it up enough?
Also, no changes in my credit limit.

Herbert