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  1. no reasons listed for EX TU says: "The balances on your non-mortgage credit accounts are too high" and that "Most FICO High Achievers carry a total balance of less than $1200 on non-mortgage accounts." reports my utilization is 1%. The highest single card utilization is 8%. EQ says: first factor "You have too many credit cards carrying balances." and "Your FICO Score was hurt because you are carrying balances on too many credit cards at once." account with balances = 6 (the same as reported on EX and TU) second factor "You've recently been looking for credit." (two inquiries in the past week) What is your prediction of what will happen when my 3 new accounts (Comenity FR, Discover sIT, and CITI TY) start reporting? place your bets now...

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