My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within 24 mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %. 
