What do you own to enjoy to be considered as have "excellent credit"? Ok I was denied a loan today My FICO is 785 My credit report

Ok I was denied a loan today
My FICO is 785
My credit report shows adjectives accounts having be on there for as long as possible, No delayed payments never.
Debt ratio below 18%
A state tax lien on report that be paid rotten as soon as I found out I owed it in similar to 1994.
Car loans (8) since 97, all compensated off precipitate.
And the reasons for the loan denial are
1 Derogatory public dictation. (I guess no credit is given for paying this off when you are informed of it)
2 Proportion of harmonize to high credit. (What its perchance 15%?)
3 Length of time accounts established. (duh, they have adjectives been established longer than they will be reported on credit reports, 10 years)
4 Number of recent inquiries ( 4 inquiries since 2005)

So what exactly do you own to have or be to be considered excellent? 5 million contained by liquid funds? Do you enjoy to be Donald Trump or Bill Gates? Someone answer this. Preferably a loan underwriter. I am really looking forward to hearing a response.

I don't know who denied you but if everything is as you state?
You should have no problem person approved for just just about whatever you want.

In my business this happen every now and next (most lenders use computers to make their decisions) and adjectives I have to do is call for the lender that I submitted the customer and have a material person look at the application and it get approved.

Sounds close to you may be a victim of the recent mortgage scandal. Who did you be in motion through. Your bank should work beside you. I think as long as your credit ranking is about 575 your should qualify for a loand. You didn't present your credit score. I don't know what Fico is, but if that's your credit chalk up you qualify.

Answers: inquiries into your credit really dont effect it at alland to answer your cross-examine you need 850...but you shouldnt hold been denied as a the prime...near a 785 scorewhat you should do is get your once a year free credit report from equafax...gl

One of the three credit reports contains info on how to improve your credit gain.

Most say to secure more credit cards.

LOL.