Credit Scores- There is just no pleasing them.

Things that are affecting my score-

Lenght of my Credit History- What the heck do you expect? I can't get a good card until I have decent credit, I can't get decent credit until I have decent credit history. By the time I figured out this cat and mouse game I was going on twenty, meaning I don't have a soild seven years of credit history.

Not using my cards- Seriously? It's like if you use them it's a problem because you are using them, if you don't use them it's a problem because you arn't using them. I am pretty sure these guys must be ran by the credit card companies like everything else because this sounds like a load of junk!

Missed payment- One late payment 5 years ago because a bill got lost in the mail. After this happened, and the card company was impossible to deal with, they went out of business (Chances are because they are impossible to deal with?) I never missed the payment, it was just late. Not the new company who owns them will not look into the matter because lets face it, they have a lot of other junk to sort out.

So these are the things that are standing between me, and the credit score of my dreams, and I am highly frustrated at that. Seriously, I've worked hard for the credit score I have! I MEAN REALLY HARD! I had no idea that not using my credit cards was going to be a problem? Can't they just go on me paying my bill for the past 6 years with out any problems, and that people thought I was stable enough for a mortgage???

Blah, this system really should be over hauled.