# Credit report comment, what does this mean?
**URL:** https://boards.straightdope.com/t/credit-report-comment-what-does-this-mean/573098
**Category:** Factual Questions
**Created:** [March 1, 2011, 8:06pm UTC](https://boards.straightdope.com/t/credit-report-comment-what-does-this-mean/573098 "2011-03-01T20:06:04Z")
**Posts on this page:** 7
**Page:** 1
### Author:  [@Tastes\_of\_Chocolate](https://boards.straightdope.com/u/Tastes_of_Chocolate)
#### Post date: [March 1, 2011, 8:06pm UTC](https://boards.straightdope.com/t/credit-report-comment-what-does-this-mean/573098/1 "2011-03-01T20:06:04Z")
I received a copy of my credit report, to keep an eye on it.
My score is good, but there is a comment on it that has me baffled.
“Insufficent number of bankcard accounts never delinquent”
Huh? Does that really mean that Experian is dinging my credit score because not enough of my payments are late?
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### Author:  [@shiftless](https://boards.straightdope.com/u/shiftless)
#### Post date: [March 1, 2011, 8:22pm UTC](https://boards.straightdope.com/t/credit-report-comment-what-does-this-mean/573098/2 "2011-03-01T20:22:24Z")
I would read that as the “number of bankcard accounts never delinquent” is insufficent. Meaning there aren’t enough good accounts. Most or all of your accounts have been delinquent. I’m just parsing words though, only you and the credit company know about your accounts.
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### Author:  [@muldoonthief](https://boards.straightdope.com/u/muldoonthief)
#### Post date: [March 1, 2011, 8:25pm UTC](https://boards.straightdope.com/t/credit-report-comment-what-does-this-mean/573098/3 "2011-03-01T20:25:06Z")
Agree with **shiftless** , though it could also just mean you don’t have enough accounts, even if the ones you have were never late. So someone with only 2 perfect accounts, and someone with 10 accounts, 8 of which had been delinquent at one time or another, would get that same comment.
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### Author:  [@Philster](https://boards.straightdope.com/u/Philster)
#### Post date: [March 1, 2011, 8:30pm UTC](https://boards.straightdope.com/t/credit-report-comment-what-does-this-mean/573098/4 "2011-03-01T20:30:48Z")
OP needs more bankcards that have never been delinquent.
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### Author:  [@Lare](https://boards.straightdope.com/u/Lare)
#### Post date: [March 2, 2011, 5:47pm UTC](https://boards.straightdope.com/t/credit-report-comment-what-does-this-mean/573098/5 "2011-03-02T17:47:22Z")
Any possibility those are meant to be two independent clauses?
"Insufficient number of bankcard account [but/yet/and] never delinquent?
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### Author:  [@Philster](https://boards.straightdope.com/u/Philster)
#### Post date: [March 2, 2011, 5:58pm UTC](https://boards.straightdope.com/t/credit-report-comment-what-does-this-mean/573098/6 "2011-03-02T17:58:11Z")
No
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### Author:  [@Lare](https://boards.straightdope.com/u/Lare)
#### Post date: [March 2, 2011, 6:28pm UTC](https://boards.straightdope.com/t/credit-report-comment-what-does-this-mean/573098/7 "2011-03-02T18:28:16Z")
Then I got nothin’.