If it isn’t on this list then it does not hurt your FICO Score

• Account payment history is too new to rate
• Accounts last reported in delinquent status
• Amount of credit available on revolving accounts
• Amount owed on accounts is too high
• Amount owed on bank/national revolving accounts
• Amount owed on collections filed
• Amount owed on delinquent accounts
• Amount owed on mortgage loans is too high
• Amount owed on recently opened accounts is too high
• Amount owed on recently opened bank/national revolving accounts is too high
• Amount owed on recently opened consumer finance company accounts is too high
• Amount owed on recently opened retail accounts is too high
• Amount owed on recently opened revolving accounts is too high
• Amount owed on recently opened sales finance company accounts is too high
• Amount owed on retail accounts
• Amount owed on revolving accounts
• Amount owed on revolving accounts is too high
• Amount paid down on open installment loans is too low
• Amount paid down on open mortgage loans is too low
• Amount past due on accounts
• Bankruptcy filing reported
• Date of last inquiry too recent
• Delinquency on accounts
• Delinquency on recently opened accounts
• Derogatory public record or collection filed
• Dollar amount(s) of property(ies) reported too low or unknown
• Frequency of delinquency
• Insufficient installment payment history
• Lack of recent auto finance loan information
• Lack of recent auto loan information
• Lack of recent auto finance loan information / Lack of recent auto loan information
• Lack of recent bank/national revolving information
• Lack of recent consumer finance company account information
• Lack of recent installment loan information
• Lack of recent non-mortgage installment loan info
• Lack of recent reported mortgage loan information
• Lack of recent retail account information
• Lack of recent revolving account information
• Lack of recent revolving HELOC information
• Lack of recently established credit accounts
• Lack of recently established revolving accounts
• Length of time accounts have been established
• Length of time auto accounts have been established
• Length of time bank/national revolving accounts have been established
• Length of time consumer finance company loans have been established
• Length of time installment loans have been established
• Length of time open installment loans have been established
• Length of time open mortgage loans have been established
• Length of time reported mortgage accounts have been established
• Length of time retail accounts have been established
• Length of time revolving accounts have been established
• Level of delinquency on accounts
• No currently owned property records reported or identified
• No mortgage loans reported
• No recent bank/national revolving balances
• No recent non-mortgage balance information
• No recent retail balances
• No recent revolving balances
• Number of accounts currently in delinquent status
• Number of accounts with delinquency
• Number of accounts with recent delinquency
• Number of active bank/national revolving accounts
• Number of active retail accounts
• Number of adverse/derog public records
• Number of bank/national revolving accounts
• Number of bank/national revolving accounts with balances
• Number of bank/national revolving or other revolving accounts
• Number of check advance inquiries
• Number of collections filed
• Number of finance co accts established relative to length of finance hist
• Number of consumer finance company inquiries
• Number of established accounts
• Number of open installment loans
• Number of recently opened consumer finance company accounts
• Number of retail accounts
• Number of retail accounts with balances
• Number of revolving accounts
• Number of revolving accounts with balances higher than limits
• Payments due on accounts
• Proportion of balance to limit on auto accounts is too high
• Proportion of balance to limit on consumer finance company accounts is too high
• Proportion of balance to limit on delinquent accounts is too high
• Proportion of balance to limit on retail accounts
• Proportion of balance to limit on retail accounts is too high
• Proportion of balance to limit on sales finance company accounts is too high
• Proportion of balances to credit limits on bank/national revolving accounts is too high
• Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high
• Ratio of balance to limit on bank revolving or other rev accts too high  
• Proportion of balances to credit limits on revolving accounts is too high
• Proportion of balances to credit limits on revolving HELOC accounts is too high
• Ratio of balances to credit limits on revolving HELOC accts is too high
• Proportion of balances to loan amounts on auto accounts is too high
• Proportion of balances to loan amounts on mortgage accounts is too high
• Proportion of balances to loan amounts on mortgage loans is too high
• Proportion of loan balances to loan amounts is too high
• Proportion of revolving balances to total balances is too high
• Proportion of revolving HELOC balances to total revolving balances is too high
• Ratio of revolving HELOC balances to total revolving balances is too high
• Serious delinquency
• Serious delinquency, and public record or collection filed
• Time since account activity is too long
• Time since delinquency is too recent or unknown
• Time since derogatory public record or collection is too short
• Time since most recent account opening is too short
• Time since most recent auto account opening is too short
• Time since most recent bank/national revolving account opening is too short
• Time since most recent consumer finance company account opening is too short
• Time since most recent installment loan account opening is too short
• Time since most recent retail account established
• Time since most recent revolving account established
• Time since most recent sales finance company account opening is too short
• Too few accounts currently paid as agreed
• Too few accounts with balances
• Too few accounts with recent payment information
• Too few active accounts
• Too few bank/national revolving accounts
• Too few bank/national revolving accounts with recent payment information
• Too few consumer finance company accounts with recent payment information
• Too few installment accounts
• Too few retail accounts
• Too few retail accounts with recent payment information
• Too few revolving accounts
• Too few revolving accounts with recent payment information
• Too few sales finance company accounts with recent payment information
• Too many accounts recently opened
• Too many accounts with balances
• Too many bank/national revolving accounts
• Too many consumer finance company accounts
• Too many inquiries last 12 months
• Too many installment accounts
• Too many mortgage loans with balances
• Too many recently active accounts
• Too many recently active auto accounts
• Too many recently active bank/national revolving accounts
• Too many recently active consumer finance company accounts
• Too many recently active installment loan accounts
• Too many recently active retail accounts
• Too many recently active sales finance company accounts
• Too many recently opened accounts with balances
• Too many recently opened bank/national revolving accounts
• Too many recently opened bank/national revolving accounts with balances
• Too many recently opened consumer finance company accounts
• Too many recently opened installment accounts
• Too many recently opened retail accounts with balances
• Too many recently opened revolving accounts
• Too many recently opened revolving accounts with balances
• Too many recently opened sales finance company accounts
• Too many retail accounts
• Too many revolving accounts

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