....with no visible negative info...although reason code #3 clearly states:
TOO MANY SERIOUS DELINQUENCIES
YOUR CREDIT REPORT REFLECTS ONE OR MORE ACCOUNTS WITH A DELINQUENT PAYMENT HISTORY OF 90 DAYS OR MORE DELINQUENT. MAKING PROMPT PAYMENTS OVER TIME MAY IMPROVE YOUR CREDIT SCORE.
...however, nothing on any account indicates such...unless I've been under the misconception that my student loan lates were gone when they really weren't...hmmm....once they were there at worthknowing, plain as day, and now they aren't.
I'm running 660 at FICO...679 at Experian...and 561 with these yucks?
Oh, and #1 reason code:
TOO MANY ACTIVE BANKCARD ACCOUNTS
YOUR CREDIT REPORT REFLECTS A NUMBER OF BANKCARD ACCOUNTS, WHICH HAS A NEGATIVE IMPACT ON YOUR CREDIT SCORE.
Wonder what a REAL TU score (ala at a bank) would look like...hmm again.
Seems like I had a 670-something a few months ago...good thing the Sprint collection got deleted, otherwise I'd be in single digits...LOL.