
Q: I checked my credit score recently and it had gone up quite a bit, so I was feeling confident when I applied for a loan . But the lender still declined me. I make my payments on time and pay everything off eventually. What am I missing? —Marty

Q: I checked my credit score recently and it had gone up quite a bit, so I was feeling confident when I applied for a loan . But the lender still declined me. I make my payments on time and pay everything off eventually. What am I missing? —Marty