I hear this question all the time. There are many different reasons that contribute to low or average credit scores. It is possible to raise your FICO legally- you just need to know how. If you are frustrated with your score, or want to purchase or refinance your mortgage then contact me through ebay. My ebay name is thingsyouwant0_2 I am a loan officer in California and have 15 years experience with consumer credit scores and fixing them. I can tell you how much higher your score can go and what you need to do to achieve it!!!