{"id":2205,"date":"2021-11-25T13:46:46","date_gmt":"2021-11-25T05:46:46","guid":{"rendered":"https:\/\/shawnjosiah.com\/?p=2205"},"modified":"2021-11-25T13:46:46","modified_gmt":"2021-11-25T05:46:46","slug":"i-dont-have-any-delinquent-past-due-accounts-yet-my-credit-score-is-low-what-could-be-the-reasons","status":"publish","type":"post","link":"https:\/\/shawnjosiah.com\/shawnjosiah\/i-dont-have-any-delinquent-past-due-accounts-yet-my-credit-score-is-low-what-could-be-the-reasons\/","title":{"rendered":"I Don\u2019t Have Any Delinquent\/Past Due Accounts Yet My Credit Score Is Low. What Could Be The Reasons?"},"content":{"rendered":"<div id=\"op3-designer-element\">\n<div data-op3-children=\"1\"><div id=\"op3-element-GRrBkYll\" class=\"op3-element \" data-op3-uuid=\"GRrBkYll\" data-op3-gid=\"\" data-op3-element-type=\"section\" data-op3-element-spec=\"\" data-op3-element-caption=\"Section #GRrBkYll\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"6\"><div id=\"op3-element-ZSykgngy\" class=\"op3-element \" data-op3-uuid=\"ZSykgngy\" data-op3-gid=\"\" data-op3-element-type=\"row\" data-op3-element-spec=\"\" data-op3-element-caption=\"Row #ZSykgngy\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"1\" data-op3-stack-columns-desktop=\"0\" data-op3-stack-columns-desktop-reverse=\"0\" data-op3-stack-columns-tablet=\"0\" data-op3-stack-columns-tablet-reverse=\"0\" data-op3-stack-columns-mobile=\"1\" data-op3-stack-columns-mobile-reverse=\"0\" data-op3-wrap-columns-desktop=\"0\" data-op3-wrap-columns-tablet=\"0\" data-op3-wrap-columns-mobile=\"0\"><div id=\"op3-element-n3ed8sx6\" class=\"op3-element \" data-op3-uuid=\"n3ed8sx6\" data-op3-gid=\"\" data-op3-element-type=\"column\" data-op3-element-spec=\"\" data-op3-element-caption=\"Column #n3ed8sx6\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div class=\"op3-column-content op3-background-parent\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-element-container><div data-op3-children=\"3\"><div id=\"op3-element-KFB2Clt7\" class=\"op3-element \" data-op3-uuid=\"KFB2Clt7\" data-op3-gid=\"\" data-op3-element-type=\"headline\" data-op3-element-spec=\"\" data-op3-element-caption=\"Headline #KFB2Clt7\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-headline-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><h2><!--StartFragment-->I Don\u2019t Have Any Delinquent\/Past Due Accounts Yet My Credit Score Is Low. What Could Be The Reasons?<!--EndFragment--><br><\/h2><\/div><\/div><\/div><div id=\"op3-element-Orx72761\" class=\"op3-element \" data-op3-uuid=\"Orx72761\" data-op3-gid=\"\" data-op3-element-type=\"customhtml\" data-op3-element-spec=\"\" data-op3-element-caption=\"Custom HTML #Orx72761\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-custom-html-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-code-html><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-1357857881778325\" crossorigin=\"anonymous\"><\/script>\n<!-- Before Content - Horizontal -->\n<ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1357857881778325\" data-ad-slot=\"9570315525\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><\/div><\/div><div id=\"op3-element-NQsR9Dwp\" class=\"op3-element \" data-op3-uuid=\"NQsR9Dwp\" data-op3-gid=\"\" data-op3-element-type=\"text\" data-op3-element-spec=\"\" data-op3-element-caption=\"Text Editor #NQsR9Dwp\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-text-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><p>A low credit score is not good on your record. It means a lot of things but it usually just point out to one thing: that you cannot pay your financial obligations on time. When your credit score is low, you will probably have <a href=\"https:\/\/www.investopedia.com\/the-side-effects-of-bad-credit-4769783\" style=\"\">trouble<\/a> in getting loans, getting your credit card approved, a higher insurance cost, or worse, landing a job.&nbsp;<\/p><p>One of the common reasons why your credit score is low is that you have past due accounts or that you have a habit of not paying on time. You might be wondering why your credit score leans towards \u2018poor\u2019 yet you pay your bills on time.&nbsp;<\/p><p>Here are the most practical reasons for that poor rating:<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"op3-element-mDNKcXuC\" class=\"op3-element \" data-op3-uuid=\"mDNKcXuC\" data-op3-gid=\"\" data-op3-element-type=\"row\" data-op3-element-spec=\"\" data-op3-element-caption=\"Row #mDNKcXuC\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"1\" data-op3-stack-columns-desktop=\"0\" data-op3-stack-columns-desktop-reverse=\"0\" data-op3-stack-columns-tablet=\"0\" data-op3-stack-columns-tablet-reverse=\"0\" data-op3-stack-columns-mobile=\"1\" data-op3-stack-columns-mobile-reverse=\"0\" data-op3-wrap-columns-desktop=\"0\" data-op3-wrap-columns-tablet=\"0\" data-op3-wrap-columns-mobile=\"0\"><div id=\"op3-element-iRzNdRjt\" class=\"op3-element \" data-op3-uuid=\"iRzNdRjt\" data-op3-gid=\"\" data-op3-element-type=\"column\" data-op3-element-spec=\"\" data-op3-element-caption=\"Column #iRzNdRjt\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div class=\"op3-column-content op3-background-parent\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-element-container><div data-op3-children=\"2\"><div id=\"op3-element-1fjwoeaz\" class=\"op3-element \" data-op3-uuid=\"1fjwoeaz\" data-op3-gid=\"\" data-op3-element-type=\"headline\" data-op3-element-spec=\"\" data-op3-element-caption=\"Headline #1fjwoeaz\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-headline-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><h2>You Always Pay Late<br><!--EndFragment--><\/h2><\/div><\/div><\/div><div id=\"op3-element-Y92dkZ4y\" class=\"op3-element \" data-op3-uuid=\"Y92dkZ4y\" data-op3-gid=\"\" data-op3-element-type=\"text\" data-op3-element-spec=\"\" data-op3-element-caption=\"Text Editor #Y92dkZ4y\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-text-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><p><!--StartFragment-->It\u2019s not enough that you don\u2019t have past due accounts as of the moment. However, the timeliness of your payments is taken into consideration when banks compute your credit score. Your credit score is low because you might have a habit of paying late. Missed payments stay a little long on records.&nbsp;<!--EndFragment--><br><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"op3-element-5r58rwOM\" class=\"op3-element \" data-op3-uuid=\"5r58rwOM\" data-op3-gid=\"\" data-op3-element-type=\"row\" data-op3-element-spec=\"\" data-op3-element-caption=\"Row #5r58rwOM\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"1\" data-op3-stack-columns-desktop=\"0\" data-op3-stack-columns-desktop-reverse=\"0\" data-op3-stack-columns-tablet=\"0\" data-op3-stack-columns-tablet-reverse=\"0\" data-op3-stack-columns-mobile=\"1\" data-op3-stack-columns-mobile-reverse=\"0\" data-op3-wrap-columns-desktop=\"0\" data-op3-wrap-columns-tablet=\"0\" data-op3-wrap-columns-mobile=\"0\"><div id=\"op3-element-BGEeBYcp\" class=\"op3-element \" data-op3-uuid=\"BGEeBYcp\" data-op3-gid=\"\" data-op3-element-type=\"column\" data-op3-element-spec=\"\" data-op3-element-caption=\"Column #BGEeBYcp\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div class=\"op3-column-content op3-background-parent\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-element-container><div data-op3-children=\"3\"><div id=\"op3-element-vUEL008M\" class=\"op3-element \" data-op3-uuid=\"vUEL008M\" data-op3-gid=\"\" data-op3-element-type=\"headline\" data-op3-element-spec=\"\" data-op3-element-caption=\"Headline #vUEL008M\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-headline-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><h2><!--StartFragment-->You Have A Big Negative Record In Your Financial Liabilities<!--EndFragment--><br><\/h2><\/div><\/div><\/div><div id=\"op3-element-fmcQMbsm\" class=\"op3-element \" data-op3-uuid=\"fmcQMbsm\" data-op3-gid=\"\" data-op3-element-type=\"customhtml\" data-op3-element-spec=\"\" data-op3-element-caption=\"Custom HTML #fmcQMbsm\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-custom-html-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-code-html><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-1357857881778325\" crossorigin=\"anonymous\"><\/script>\n<ins class=\"adsbygoogle\" style=\"display:block; text-align:center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-1357857881778325\" data-ad-slot=\"3751441233\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><\/div><\/div><div id=\"op3-element-oZW78V1T\" class=\"op3-element \" data-op3-uuid=\"oZW78V1T\" data-op3-gid=\"\" data-op3-element-type=\"text\" data-op3-element-spec=\"\" data-op3-element-caption=\"Text Editor #oZW78V1T\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-text-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><p><!--StartFragment-->If your credit score is low or it doesn\u2019t seem to increase, you might have defaulted on a loan, an account going to collections departments, or you had declared bankruptcy some time before (usually a year or so ago). Banks are keen on giving a numerical grade on their analysis of a person\u2019s creditworthiness<!--EndFragment--><br><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"op3-element-zNIXdqu0\" class=\"op3-element \" data-op3-uuid=\"zNIXdqu0\" data-op3-gid=\"\" data-op3-element-type=\"row\" data-op3-element-spec=\"\" data-op3-element-caption=\"Row #zNIXdqu0\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"1\" data-op3-stack-columns-desktop=\"0\" data-op3-stack-columns-desktop-reverse=\"0\" data-op3-stack-columns-tablet=\"0\" data-op3-stack-columns-tablet-reverse=\"0\" data-op3-stack-columns-mobile=\"1\" data-op3-stack-columns-mobile-reverse=\"0\" data-op3-wrap-columns-desktop=\"0\" data-op3-wrap-columns-tablet=\"0\" data-op3-wrap-columns-mobile=\"0\"><div id=\"op3-element-RFMAH7iW\" class=\"op3-element \" data-op3-uuid=\"RFMAH7iW\" data-op3-gid=\"\" data-op3-element-type=\"column\" data-op3-element-spec=\"\" data-op3-element-caption=\"Column #RFMAH7iW\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div class=\"op3-column-content op3-background-parent\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-element-container><div data-op3-children=\"2\"><div id=\"op3-element-lPZYhOi1\" class=\"op3-element \" data-op3-uuid=\"lPZYhOi1\" data-op3-gid=\"\" data-op3-element-type=\"headline\" data-op3-element-spec=\"\" data-op3-element-caption=\"Headline #lPZYhOi1\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-headline-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><h2><!--StartFragment-->You Have A High Credit Utilization<!--EndFragment--><br><\/h2><\/div><\/div><\/div><div id=\"op3-element-bvwYGrcY\" class=\"op3-element \" data-op3-uuid=\"bvwYGrcY\" data-op3-gid=\"\" data-op3-element-type=\"text\" data-op3-element-spec=\"\" data-op3-element-caption=\"Text Editor #bvwYGrcY\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-text-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><p><!--StartFragment-->If your credit score is low, check how much of your total credit is being utilized. The general rule to maintain a good standing is to use only <a href=\"https:\/\/www.fool.com\/the-ascent\/credit-cards\/articles\/cant-seem-increase-your-credit-score-here-are-6-potential-reasons-why\/\">20%-30%<\/a> of your credit limit. So if your credit total is $1,000, you need to use only $200-300 to avoid a low credit score.&nbsp;<!--EndFragment--><br><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"op3-element-UbCFbhpW\" class=\"op3-element \" data-op3-uuid=\"UbCFbhpW\" data-op3-gid=\"\" data-op3-element-type=\"row\" data-op3-element-spec=\"\" data-op3-element-caption=\"Row #UbCFbhpW\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"1\" data-op3-stack-columns-desktop=\"0\" data-op3-stack-columns-desktop-reverse=\"0\" data-op3-stack-columns-tablet=\"0\" data-op3-stack-columns-tablet-reverse=\"0\" data-op3-stack-columns-mobile=\"1\" data-op3-stack-columns-mobile-reverse=\"0\" data-op3-wrap-columns-desktop=\"0\" data-op3-wrap-columns-tablet=\"0\" data-op3-wrap-columns-mobile=\"0\"><div id=\"op3-element-StYKFitR\" class=\"op3-element \" data-op3-uuid=\"StYKFitR\" data-op3-gid=\"\" data-op3-element-type=\"column\" data-op3-element-spec=\"\" data-op3-element-caption=\"Column #StYKFitR\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div class=\"op3-column-content op3-background-parent\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-element-container><div data-op3-children=\"2\"><div id=\"op3-element-yYTPqxJK\" class=\"op3-element \" data-op3-uuid=\"yYTPqxJK\" data-op3-gid=\"\" data-op3-element-type=\"headline\" data-op3-element-spec=\"\" data-op3-element-caption=\"Headline #yYTPqxJK\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-headline-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><h2><!--StartFragment-->Wrong Credit Report&nbsp;<!--EndFragment--><br><\/h2><\/div><\/div><\/div><div id=\"op3-element-OBEGopz5\" class=\"op3-element \" data-op3-uuid=\"OBEGopz5\" data-op3-gid=\"\" data-op3-element-type=\"text\" data-op3-element-spec=\"\" data-op3-element-caption=\"Text Editor #OBEGopz5\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-text-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><p><!--StartFragment-->If the above reasons are highly unlikely on your part, and your report indicates a wrong record on the date of payment, then it\u2019s time to ask for assistance to rectify the mistakes. A misspelled name, a missing decimal number, and identity theft can happen, even to the banks and financial institutions.&nbsp;<!--EndFragment--><br><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"op3-element-ApThZFuu\" class=\"op3-element \" data-op3-uuid=\"ApThZFuu\" data-op3-gid=\"\" data-op3-element-type=\"row\" data-op3-element-spec=\"\" data-op3-element-caption=\"Row #ApThZFuu\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div data-op3-element-container data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\" data-op3-sticky=\"0\" data-op3-sticky-active-desktop=\"1\" data-op3-sticky-active-tablet=\"1\" data-op3-sticky-active-mobile=\"0\" data-op3-sticky-top-desktop=\"0px\" data-op3-sticky-top-tablet=\"0px\" data-op3-sticky-top-mobile=\"0px\" data-op3-sticky-until=\"0\" data-op3-sticky-until-element=\"\"><div data-op3-children=\"1\" data-op3-stack-columns-desktop=\"0\" data-op3-stack-columns-desktop-reverse=\"0\" data-op3-stack-columns-tablet=\"0\" data-op3-stack-columns-tablet-reverse=\"0\" data-op3-stack-columns-mobile=\"1\" data-op3-stack-columns-mobile-reverse=\"0\" data-op3-wrap-columns-desktop=\"0\" data-op3-wrap-columns-tablet=\"0\" data-op3-wrap-columns-mobile=\"0\"><div id=\"op3-element-Y6SBrZ8o\" class=\"op3-element \" data-op3-uuid=\"Y6SBrZ8o\" data-op3-gid=\"\" data-op3-element-type=\"column\" data-op3-element-spec=\"\" data-op3-element-caption=\"Column #Y6SBrZ8o\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"1\"><div class=\"op3-column-content op3-background-parent\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-element-container><div data-op3-children=\"3\"><div id=\"op3-element-WEVRS45r\" class=\"op3-element \" data-op3-uuid=\"WEVRS45r\" data-op3-gid=\"\" data-op3-element-type=\"headline\" data-op3-element-spec=\"\" data-op3-element-caption=\"Headline #WEVRS45r\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-headline-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><h2>Final Thoughts<\/h2><\/div><\/div><\/div><div id=\"op3-element-k52i8WFc\" class=\"op3-element \" data-op3-uuid=\"k52i8WFc\" data-op3-gid=\"\" data-op3-element-type=\"customhtml\" data-op3-element-spec=\"\" data-op3-element-caption=\"Custom HTML #k52i8WFc\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-custom-html-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-code-html><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-1357857881778325\" crossorigin=\"anonymous\"><\/script>\n<ins class=\"adsbygoogle\" style=\"display:block; text-align:center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-1357857881778325\" data-ad-slot=\"8883569796\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><\/div><\/div><div id=\"op3-element-O5yHkdop\" class=\"op3-element \" data-op3-uuid=\"O5yHkdop\" data-op3-gid=\"\" data-op3-element-type=\"text\" data-op3-element-spec=\"\" data-op3-element-caption=\"Text Editor #O5yHkdop\" data-op3-code-before=\"\" data-op3-code-after=\"\" data-op-visibility-hidden=\"0\" data-op-element-hidden=\"0\" data-op3-style-id=\"\" data-op3-has-children=\"0\"><div class=\"op3-text-wrapper\" data-op-animation-trigger=\"none\" data-op-animation-style=\"\" data-op-animation-loop=\"0\" data-op-timer-minutes=\"0\" data-op-timer-seconds=\"0\"><div data-op3-contenteditable><p><!--StartFragment-->Your credit score is low because of a lot of reasons, such as these most practical ones. These are usually the red flags that banks are wary of, as they tell how responsible a person is when it comes to their financial liabilities. Aim to pay your bills on time, avoid having a bad financial record, and don\u2019t depend too much on your credit cards to maintain a high credit score.<!--EndFragment--><br><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div><!-- #op3-designer-element -->\n","protected":false},"excerpt":{"rendered":"<p>You might be wondering why your credit score leans towards \u2018poor\u2019 yet you pay your bills on time. Here are the most possible reasons.<\/p>\n","protected":false},"author":1,"featured_media":2206,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[7,4],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>I Don\u2019t Have Any Delinquent\/Past Due Accounts Yet My Credit Score Is Low. What Could Be The Reasons? - Shawn Josiah<\/title>\n<meta name=\"description\" content=\"You might be wondering why your credit score leans towards \u2018poor\u2019 yet you pay your bills on time. 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