Originally Posted by alnorth
Honestly, I am mystified.
Yeah, I know a lot of people are talking about carrying a small balance, and having a higher credit limit would be good, etc. But that should be the difference between "only" having a low to mid 700 score, and being among the elite. Those are the things you do to get that last little bit in your score. How the hell are you mid-600's? When I got my mortgage a few years ago, my situation was worse than yours and I had high-600's.
I know you said you had a bank card, but is that being treated as a regularly-reported credit card? I mean, if you had ZERO revolving credit, then maybe that'll explain it. Get a credit card, use it once in a blue moon, and that should fix it.
Other than that, are you sure you don't have a ding or late-pay reported on there somewhere? mid-600's is awfully low given the info in the OP.
Never a late payment anywhere.... CreditKarma is reporting that score and they say they get all of their info from Transunion but creditkarma does not even list the only credit card I have owned for 11+ years and it appears on the site I have made zero payments on anything since 2009 when I paid off the house ...
Basically they are not reporting my stellar payment history on that card and when projected the impact on my credit on their calculator + age of account and history of payment, it appears that by them not reporting it I am losing over 100 points in credit score..
I ordered everything by mail from transunion because It said I had a problem verifying who I was for some reason but in a few business days I will have a better handle on whats going on so I can proceed with a dispute with them.