1) Average Age of Open Credit Lines: It isn't just your oldest Line Of Credit that matters. They seem to be average, and that is what counts on your credit score. For me, my oldest card is CC1 that I just paid, with BoA, and it is 8.5yrs old. I suspect my newest card opened last year brought my average down to 5.9yrs, so I get a rating of C instead of A. I guess that's another danger of opening new accounts?
2) Open Credit Card Utilization: This one did upset me a bit: With my credit card utilization at 0% since I paid of CC1, it actually *hurts* my score to have it at zero. Yeah, really. What's wrong with that?! But anyway, my credit limit will be $9,000 as soon as the closing of my Dell LOA posts. That means that to get a 1-20% utilization rate, I should leave a balance of $90 to $1800. Right now since my Dell LOA is still posted, I get a range of $120 - $2,400. As an experiment, I'll make sure from now until June or so, I leave a balance of $120 or more. But don't worry, that is getting paid before the payment is due (probably the day following the statement-close date), so I will not be charged any interest. I hate paying interest.
These are just the "negatives" they are holding against me according to their report card. I'll go over the rest of the items tomorrow.