 TITLE: Can I Have a Good Credit Report but a Bad Credit Score? CONTENT: What Makes Up a Good Credit Report?\n-----------------------------------\nA good credit report is one that contains evidence that you've borrowed and repaid money responsibly with several lenders. Specifically, that you:\n*   Use a variety of credit cards and loans, and have done so for a few years\n*   Always pay your bills on time\n*   Have repaid loans in full\n*   Consistently carry over little, if any, credit card debt\nJust as important, there a few line items that are absent from a good credit report. These include:\n*   Defaults\n*   Charge-offs\n*   Collection accounts\n*   Liens\n*   Judgments\n*   Bankruptcies\nAnd while you do have to apply for credit products to get them, you don't want your credit reports to indicate a flurry of applications in a short span of time, since it could be interpreted as a sign that you're desperate for money.\nWhen your credit report only lists plenty of appealing activity, you appear to be a low-risk credit customer—and your credit scores will reflect that. That's because past and present behavior is a predictor of future behavior. END