Pardon me while I do the Creditnet Happy Dance! TU score is only 22 away from 800 club, but the real FICO is 83 points shy. FICO is up 19 points to 717 & CreditExpert gave me back the 3 points it took away 2 months ago! The Creditnet family has been helpful in my journey (EQ 636 to 717; EX 685 to 710; TU 725 to 778) Reason codes 10 â??Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too highâ?. (UR on report = 55% Chase, 37% DMB but 44% & 24% respectively as of yesterday) 14 â??Length of time accounts have been establishedâ?. 1 â??Amount owed on accounts is too highâ?. 28 â??Number of established accountsâ?. But which of the following (which affect reason codes 2 and 4) should I dispute : I have 2 Sallie Mae Student loans that appear 3 times each with a $0 balance: [li]too new to rate DLA 3/2000 [li]transferred/sold DLA 11/2001 [li]Payment deferred DLA 7/2000 The 2nd set of entries shows the monthly payment, original amount borrowed. Thanks for any input!
Thank you ng & KHM... But I still won't apply for store cards @ the store...once bitten twice shy, but it's nice to know that if I wanted one now I wouldn't get turned down
