Who is stuck in the 500's like me? What do you have on your reports? I have 1 tax lien, 2000 (just released, not updated yet) 1 Good Credit card, open since 6/01 1 Good Retail card, closed 2 Good finance accounts, closed 1 CC I was AU on "included in BK of another person" but reported as Good 2 Citi Chargeoffs, unpaid reported multiple times 2 unpaid utility collection 1999 1 unpaid retail collection 1999 1 unpaid retail chargeoff 1999 2 paid utility chargeoff 1998 1 redeemed car repo 1999 now Paid as Agrees 2 unpaid finance co chargeoffs 1999 1 returned check paid 1999 2 inquiries past 6 months Anyone in the same boat???
Me too going backwards one paid tax lien/97 charge off cc 458 from 1/2000 reported twice one good cc repo from 97 reported by orginal and ca car loan good car loan with 30 day late
ME! 2 paid car loans, never late (had both over 24 months) 1 car loan now, paid never late (13 months) 2 paid charge offs on from 98 (now states R5) and one from 96 1 closed overdraft never late ( 2 months) 1 open OD never late (42 months) Speigel (never used never late) 12 months reviewed student loan paid off never late (6 months) student loan never late (only owe $500 reviewed for 20 months) 1 retail card 2 times late in 96 now closed (14 months) 1 retail card closed never late (reviewed 24 months) 2 open credit cards 1 with $1700 CL other with $500 CL never late (1 reviewed for 14 months the other for 2 months) 1 unpaid retail chargeoff $125 in 3/97 Anyone know if Household CC reports? I've had that one for 4 months and it still isn't showing up, it is unsecured. Kellie
me too two judgements (one paid) three collections (all medical, currently disputing) a repo and infamous student loans Oldest account 2 years old w.2 late pays diva
Me four! First the bad: 1 paid judgement (only on EX) goodbye present from ex hubby (joint on a lease) 1 paid off/acct closed by credit grantor (Cap 1) 01 1 unpaid repo ('98) 9 unpaid collections (97-98, mostly medical) 1 paid collection (98) 4 student loans with 0 bal (consolidated, not rehab) 10 inquiries in the past 6 months (I went nuts when I saw I had a 601 back in June...) Now the good!: 1 installment loan (credit union) 5 credit cards-- 1st Primier open 01-01 no lates Cap 1 open 7-01 no lates GetSmart open 6-01 no lates Orchard Bank open 8-01 no lates Amex CLOSED from 1989 (back in my Good Days).. **This was charged off, but Amex still reports it in good standing...** 1 auto loan open 01-01 no lates (love direct withdrawl!) 3 student loans (consoliated; in school status) My score on CreditExpert is 539 Deb @ Mich St
Depends on the report. Transunion is my worst with a 595. Included on that is: Judgment- lawyer is sending a stipulation Monday Paid collection 156 Unpaid collection 529 (this one really isnt mine) 3 credit cards one closed all 0 balances 2 30 day late mortgage payments Experian 618 (I think this may go up too) Paid collection 156 1 credit card 0 balance 2 30 day late mortgage 96 repo O balance Equifax-623 2 30 day late morgage payments 1 paid charge off 96 repo 0 balance on all reports since 1993 oh and btw I cant even get a target GUEST card
I can't get a Target store card either... I know why I can't but I can't imagine why *you* can't! Deb @Mich St
I started the repiar process in Sept. 01 4 collection accts xpn 539 trans 528 24derog accts 1 bk ch7 a ton of inquiries Now! 16 derog accts. 10 positive accts. 0 collection accts. several inquiries deleted from each cra xpn 589 trans 581 equifax haven't checked score
Equifax is my only score I know and its in the 500's.. One collection account for a utility from 4 years ago One Capital One charge off that is listed incorrectly One Hechts 6 year old included in BK which is not even listed on my report anymore One Finance company charge off from my BK from 6 years ago WFNNB included in BK from 6 years ago One charge off for something I am still trying to track down exactly what its for but its 5 years old One positive car loan, no lates on it, paid off in 95 One car loan will be paid off in August, no lates One FCNB credit card, no lates 6 months old One Sterling Card paid, no lates One Jewelry account paid off in 93, no lates One installment loan of $39, never late, low balance left (under $400) Misty Eyed