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You are reporting the following post to the moderators for review and possible removal from the forum Poster: Why is this? Subject: Reason for credit score? Body: 23 y/o using 20%-40% credit utilization. All CC bills paid on time. Cable bill a day late occasionally but no penalty fee. Direct bill other utilities. No other obligations. 609 credit score Why? Hit the submit button below if you want us to review the post. If you feel this is urgent or want a reply, email us at letsrun@letsrun.com about the post and please include a link to the thread the post is on and what page number/post on that page it is
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