Level 3
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Credit score

Your issue could be that you dont have a variety of credit lines. Or you dont have enough credit and or debt (yes, debt! 🙂 Heres what's factored in to the formula for score results:
Payment history: 35%
Amount of debt owed: 30%
Age of credit history: 15%
New lines of credit: 10%
Credit mix: 10%
Hope that helps!