Comment Re:Credit scores are not what you think they are (Score 1) 40
The components of a credit score aren't some state secret.
No, they're a lie.
FICO publishes a helpful infographic.
The infographic is propaganda, and answers zero questions about how the factors which make up each group are actually calculated.
If you've truly kept your utilization low and paid all bills on time, you should double check there hasn't been some identity theft.
I have been watching Experian. There hasn't been anything unrelated to me appearing on my credit report, but my score has gone down as I have behaved faithfully and paid off my debts on schedule. Anyone who believes what FICO claims about scoring is a fool, and anyone who then goes on to repeat their propaganda for them is also a tool — and not the sharpest one in the shed.