{"id":102,"date":"2016-09-13T06:09:01","date_gmt":"2016-09-13T06:09:01","guid":{"rendered":"http:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/?p=102"},"modified":"2020-08-12T11:21:40","modified_gmt":"2020-08-12T18:21:40","slug":"negative-score-factors","status":"publish","type":"post","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/negative-score-factors\/","title":{"rendered":"Negative Score Factors"},"content":{"rendered":"

The date that you opened your oldest account is too recent.<\/strong><\/em><\/span>
\nYour oldest account is still too recent. A credit file containing older accounts will have a positive impact on your credit score because it demonstrates that you are experienced managing credit.<\/p>\n

What You Can Do<\/strong><\/em><\/span>
\nDon’t open more accounts than you actually need. Research shows that new accounts indicate greater risk. Your score will benefit as your accounts get older.<\/p>\n

The total of all balances on your open accounts is too high.<\/strong><\/em><\/span>
\nThe total that you owe on all your accounts is high. Maintaining high balances has proven to be risky behavior because you don’t have much credit available should it be needed, creating a greater chance of becoming overextended. People with the highest credit scores keep their account balances low.<\/p>\n

What You Can Do<\/strong><\/em><\/span>
\nWhenever possible, pay down balances on your accounts. Over time, this will have a positive impact on your score.<\/p>\n

Balances on bankcard or revolving accounts too high compared to credit limits.<\/strong><\/em><\/span>
\nBankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. You have bankcard or revolving accounts in your credit file with balances that are high compared to the credit limit on the account, which is a proven indicator of increased risk.<\/p>\n

Total of all balances on bankcard or revolving accounts is too high.<\/strong><\/em><\/span>
\nThe total combined amount you owe on all of your bankcards and revolving accounts is high, a sign of increased risk. People who carry balances on multiple bankcards or other revolving accounts have reduced available credit to use if needed, creating a greater chance of becoming overextended.<\/p>\n

What You Can Do<\/strong><\/em><\/span>
\nPay down balances on your accounts and keep them below 30% of the total credit limit on that account. Over time this will have a positive impact on your score.<\/p>\n","protected":false},"excerpt":{"rendered":"

The date that you opened your oldest account is too recent. Your oldest account is still too recent. A credit file containing older accounts will have a positive impact on your credit score because it demonstrates that you are experienced managing credit. What You Can Do Don’t open more accounts than you actually need. Research … Continue reading Negative Score Factors<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[],"class_list":["post-102","post","type-post","status-publish","format-standard","hentry","category-blog"],"yoast_head":"\nNegative Score Factors - Fast Credit Solutions<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/negative-score-factors\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Negative Score Factors - Fast Credit Solutions\" \/>\n<meta property=\"og:description\" content=\"The date that you opened your oldest account is too recent. Your oldest account is still too recent. A credit file containing older accounts will have a positive impact on your credit score because it demonstrates that you are experienced managing credit. What You Can Do Don’t open more accounts than you actually need. 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Payment history Payment history includes a record that shows if you paid your bills on time. It includes medical bills, so if there are any that you may have forgotten about, they will show\u2026","rel":"","context":"In "Blog"","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"What factors affect your credit score","src":"https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2020\/09\/credit-40671_1280.png?fit=1200%2C1058&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2020\/09\/credit-40671_1280.png?fit=1200%2C1058&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2020\/09\/credit-40671_1280.png?fit=1200%2C1058&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2020\/09\/credit-40671_1280.png?fit=1200%2C1058&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2020\/09\/credit-40671_1280.png?fit=1200%2C1058&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":100,"url":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/positive-score-factors-2\/","url_meta":{"origin":102,"position":1},"title":"Positive Score Factors","author":"fcsadmin","date":"May 5, 2018","format":false,"excerpt":"Delinquencies on your accounts. 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This guide breaks down exactly how to fix your credit fast using\u2026","rel":"","context":"In "Blog"","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":817,"url":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/how-credit-repair-works-a-clear-professional-explanation\/","url_meta":{"origin":102,"position":4},"title":"How Credit Repair Works: A Clear, Professional Explanation","author":"Daniel LVWS","date":"December 29, 2025","format":false,"excerpt":"Understanding how credit repair works is essential if you want to improve your credit profile the right way. Credit repair is often misunderstood, largely because it is surrounded by exaggerated promises and vague explanations. In reality, legitimate credit repair is a structured, law-based process focused on accuracy, verification, and consumer\u2026","rel":"","context":"In "Blog"","block_context":{"text":"Blog","link":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/category\/blog\/"},"img":{"alt_text":"how-credit-repair-works","src":"https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2025\/12\/how-credit-repair-works-min.png?fit=1200%2C700&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2025\/12\/how-credit-repair-works-min.png?fit=1200%2C700&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2025\/12\/how-credit-repair-works-min.png?fit=1200%2C700&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2025\/12\/how-credit-repair-works-min.png?fit=1200%2C700&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.fastcreditsolutions.net\/credit_repair_blog\/wp-content\/uploads\/2025\/12\/how-credit-repair-works-min.png?fit=1200%2C700&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":593,"url":"https:\/\/www.fastcreditsolutions.net\/credit_repair_blog\/credit-repair\/","url_meta":{"origin":102,"position":5},"title":"Credit Repair","author":"LVWS","date":"April 13, 2023","format":false,"excerpt":"What is Credit Repair? Credit repair refers to the process of improving or repairing a person's creditworthiness and credit score. When someone has a poor credit history or a low credit score, it can make it challenging to obtain loans, credit cards, or favorable interest rates. 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