NFCU offers free FICO scores. Mine is 807 out of 850.

Two of the problems listed:

1. Too few accounts currently paid as agreed. FICO® Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you’ve missed payments recently on some of your accounts. I have only one active credit card; No active store cards.

2. FICO® Scores consider recent non-mortgage installment loans (such as auto or student loans) information on a person’s credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. Paid cash for our house. Paid cash for my wife’s new Subaru last summer. How are FICO® Scores calculated? FICO® Scores are calculated from many different pieces of credit data in your credit report.

This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how FICO® Scores are calculated.

• 35% – Payment History
• 30% – Outstanding Debt
• 15% – Length of Credit History
• 10% – New Credit
• 10% – Credit Mix

That is all.