FICO ( R ) Score XXXXPowered by ExperianXXXXCredit Rating : FairXXXXGenerated : XXXX XXXX, 2015SEE ALL XXXX FICO SCORESYour score is below the average score of U.S. consumers, though many lenders will approve loans with this score. 
Why did my score changeLEARN MOREKnow more, Save more. Get Your FICO ( R ) Scores Now! 
Get XXXX Reports and FICO Scores to check for potential inaccuracies. 
What 's helping your score? 
No missed paymentsYou have no missed payments on your credit accounts. 
Long credit historyYou have an established credit history. 
What 's hurting your score? 
Collection item and/or PRYou have a public record and/or collection on your credit report. 
Number of collections on your credit reportXXXX collectionsThe presence of public records ( such as a bankruptcy or tax lien ) and/or collections are powerful predictors of future payment risk. If these are valid, satisfying the public record and paying off the collection will not remove them from your credit report. The fact that they occurred is still predictive of future payment risk and will be considered by your FICO ( R ) Score. However, as the items age and fall off of your credit report, their impact on your score will gradually decrease. Most public records and collections stay on your report for no more than seven years - though bankruptcies may remain for up to XXXX years. 
Few current accountsYou have few accounts that are in good standing. 
No installment loansYou have no recent activity from a non-mortgage installment loan. 
High credit usageYou 've made heavy use of your available revolving credit. 
Score TrackerTrack changes in your FICO ( R ) Score and credit rating, based on your Experian Credit Report. 
Your score is automatically updated XXXX monthly and each day you log in. 

Average score is : XXXXExceptional+XXXXVery GoodXXXXXXXXXXXXGoodXXXXXXXXXXXXFairXXXXXXXXXXXXPoor & lt ; XXXX/XXXX/XXXX 2015XXXX 2015XXXX 2015XXXXHow your FICO ( R ) Score is calculatedClick on each score factor piece to reveal more. 
30 % Outstanding DebtWhat you should knowUsing your credit responsibly can positively impact your credit and FICO ( R ) Score. However, maxing out your credit cards and increasing your debt can have a negative impact since lenders may perceive your increased outstanding debt as a sign that you are living above your means. 
I do n't have any public record reporting on my report but yet Experian is saying that I do and that it 's hurting my score ...