Have too much debt, have too little debt, be poor (low income to debt ratio), be a bad goyslave with too little credit history in loans and cards closed or not, have short credit history by paying shit off too fast or cards shut off due to inactivity, miss a singular payment, have a hard inquiry. I have no idea what the jew fu is on it but i have a score of 811 good goy points and I have no idea how. Im trying to get high enough I dont have to see brown people ever again.