Ok- As I have said before I have been getting pretty good results with getting my accounts added to my reports. So far I have been able to get my mortgage (loan was bought, new owner was not reporting) and two car loans added. I have asked each of the lenders to send me copies of the statements/forms with each CRA. I used these to compare the date requested to the date the line was added. So far, - TransUnion reported the trades within 30 days. - Experian took closer to 45 days. - Equifax took almost 60 days. As far as 'points', a $155,000.00 mortgage, 149k balance, reported two years on time added 8 points to my score. An auto loan, 22k reported on time for two years, added 2 points to my score. 15k Balance. This car is being paid off next week (refi- my ex gf and I were joint- she is refi to get in her name only). I will let you know how that affects my score. The other auto loan, 10k, 3yr loan paid off in 1.5yrs, added 4 points to my score. Nice to know getting two inquiries removed equals a mtg........ hmmmmph. Hope this might help someone.... Shawn
