Never had a home foreclosure. DID have an almost foreclosure - sold the home (for a profit) - not a short sale, never went to foreclosure (back in 2008 when the market crashed). So that loan, tho it showed some lates, showed paid in full as a final standing.
Do have an auto repo (with ex husband - 6 years ago)
Have done everything I've been told that I was "supposed to do" since then.
Paid bills on time (even those dreaded hard-to-figue out medical bills that seem to never end - even if just small payments - still keep those ongoing and current so nothing new goes on my CR as negative.
Opened a couple of small credit cards - use only 31-39% of available credit - pay on time, only allow increases once per year. Don't use 'retail credit cards", don't apply for any cc as a way of getting 10% off. I Stick to what I already have.
Closely following advice of a financial planner as to what to pay off (from past credit report) and what not to (because paying some things actually ding you harder - she says) - all that "should be paid off" was paid off over 3 years ago. The rest falls under "these shouldn't be paid because they will hurt you more than help you" ~ as per the financial advisor.
Have a current (in good standing) auto loan (never missed a payment, never had a late pay) - this is the second auto loan since the repo (both paid on time, never late)
Have a current mortgage (with new DH - paid on time, every time).
Yet I still can't seem to get my FICO up. Even with no new negative items since 2007, even with only using 33% of my available credit, even with 2 auto loans in good standing, even with mortgage in good standing, even with 22% debt to income ratio - I'm STILL considered high risk with a score of less than 600! What am I doing wrong? Why won't this score come up?