Thanks for that link. I actually learned a couple of things. One problem I think I may have is that I probably have my credit lines with high balances. Then when I'm done "using" that money, I pay them in full. So I don't have many long term loans/payments. Also, I haven't had a credit card of any kind for at least 15 years. Sounds like that actually hurts my score! Go figure. I think this whole system needs to be redesigned based on all the problems we have had recently. It obviously has flaws.