Got an updated TU report last week, but it wasn't till today that I looked on the last page & realized that the new score was included with it! What a great surprise! One paid-off student loan has been reported, and car payoff was reported & should be updated any day now. With Creditnet's help, new scores are: EQ=698; EX=707; TU=748. Adverse reasons: 1. Too many active accounts w/ a balance (Summit car loan which was transferred to Fleet still showing a balance - Fleet will fix it) 2. Length of time accouns have been established is too short. (Chase CC = 25 months. DMB CC = 29 months perfect pay but was just deleted this month bc they didn't respond to inquiry to update my CL. DMB is now requiring me to fax their credit unit, requesting that they report.) 3. # of delinquent accounts is too high in proportion to total # of accounts (Premier Auto Finance in dispute to delete 1 30-day late as they have w/ EQ & EX). 4. Not enough bank installment debt experience (Oh well, I guess it's a crime to keep my $$)
WTG Rina!!! Pretty soon you'll be an 800 club member. When did you start your repair journey and what were your scores if you know?
You haven't done too bad yourself! Last May Cap1 & Commerce Bank declined to transfer my (now paid-off) 17% private education loan. May 2001 I checked EQ & score was 636! I was aghast & too depressed to check my other scores! Plus a 1995 paid charge off was still showing $792 balance. Chase deleted it, and in the last 11 months I've repaid over $23K in school loans, auto loan, & 2CCs. I still have remaining $6K sallie Mae (5.9%), & 4900 in CCs (DMB 9.24% & 12.24%, Chase 9.9%). Last month when I found Creditnet through creditcardfreedom.com, I got up the courage to check my scores. At that time, EX was 685 & TU was 725.
