Tue, 22 Jan 2013, 8:31am PST
Like (1) Dislike
I got my credit score recently and was surprised to see it come in at only 731. I did have one 60-day late payment in 2007 due to an oversight, but other than that I thought I was about as good a credit risk as I could be.
I don't owe a dime to anyone. I've got two credit cards that I use all the time and pay off every month, both of which I've had for about 20 years. I had mortgages for 28 years that I paid off in 2010 that don't even appear on the report - why is that? - other loans stay on the report for years but the mortgage disappears as soon as it's paid off? I have a few store credit cards that I never use. I own my San Francisco condo outright and have sizable bank accounts and investments.
Who shouldn't be happy to lend me money? I don't get it.