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420D Denier Horse Stable Trailer Show Sheet Open Front Purple Size 70
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Meaning of the terms in credit report?

Hello Guys

I got my credit report and first of all, the score said it is excellent (Score 795). I was told anything above 700 is Excellent.

But there were some disturbing sentences on the front sheet, which I didnt understand.

008. Too many inquiries in last 12 months
030. Time Since Most recent account opening is too short
014. Insufficient Length of Credit Hirstory
010. Proportion of revolving balances to Credit Limits is too High
1 / The Trans Uninon Empiric score was adverly affected by credit inquiries present in the credit file.

What are these? I have so far paid my credit cards and NEVER had any problems. I have a decent job and decent pay and want to apply for home mortgage in the near future. How will the above affects my getting loan and what can I do to resolve these issues.

Any experts reading this, can let me know, I will be greatful.

Bob

Bob,

These just mean your score would be higher if you didn't have these factors affecting it. You will always have something like this unless you have a perfect score (850). With a 795 I wouldn't worry about it too much.

Too many inquiries means you have applied for credit more than once in the past 12 months. They consider 1 application for credit to be average, but anything more than 1 inquiry per year does have a small effect on your score

Time since most recent account opening is too short, just means you have recently opened a new credit account. Again it has a small impact on your score.

Insufficient length of credit history means you don't have any very old accounts

Proportion of revolving balances to credit limits is too high means you are using more than half of your credit limit. If you have one card with $500 limit and $300 balance this will lower your score, even though you have a $3000 account with $0 balance. If you have something like this, you can transfer $100 from the card with $500 limit to the account with $3000 limit and it will increase you score (a little) because your balance on the $500 account will drop below the 50% of your limit