Here are the facts according to all three agencies:
25 years of credit history.
16 Credit Card (Revolving) accounts currently open.
Never once has an account gone to collections.
In the last 10 years one payment went 30 days.
No public records.
Current debt to balance available ratio is at 1%.
Same job for 6 years.
I currently use 2-3 cards a month but always pay off balances before (Around 1,000-2,000 monthly) I accrue any interest charges.
I've been turned down twice for a credit card the last month and a half. Both were from Chase and both cited Trans Union claiming:
"Few revolving accounts opened long enough to establish credit history"
"Not enough accounts opened long enough to establish credit history".
Any guesses why I'm being turned down?
Yes! Your not using enough utilization of the current revolving lines/cards that you have. Also you dont have many instalment accounts. Credit card companies are in the business to make money by extending credit with the hopes of you at least using 30% of the card balance and making payments. I may have a few solutions that you may want to speak directly about. Please contact me on my google voice number below. Due to the publicity of this site I will reserve my personal number for when I call you directly.