Your score has gone up 11 points since 09/07/2002. my 2nd and last late pay is gone off my record now on experian I AM NOW UP TO 660.. on jan 1 i was at 606 YAAAAAAAAAAA YAAAAAAAAAAA YAAAAAAAAAAAA
allen - congrats dude - aroooo just think - you could click on a new car loan and get ZERO% 650 is the big deal - arrfff - dogman
Allen, please clarify. You say your last late pay is gone. Is that your last derog? Is your report now clean? I'm assuming there must be at least 1 other derog since you only got an 11 point boost. Congrats tho, that's great.
It says I have 0 potentially negative items... I believe my score is low because I owe about $16k on my cc's and I have only 34% free. hope that helps thanks!
Hmmmm... I still woulda thought you'd get a bigger boost for your last derog. Maybe 30-40 points. I'm no expert on scores tho. Where's Doc? Or looked at a different way, a high utilization can TRASH your scores, all else being positive? Are utilization ratio's that powerfull? Pay down your ratio and see what happens?
Your score is affected, primarily, by the four reasons given (in order) with the score. What are they?
ok here goes: Positives: â?¢ Three or more credit relationships on your credit profile â?¢ No derogatory information (such as a collection, charge-off, or bankruptcy) on your credit profile â?¢ The average length of time since your accounts were opened is greater than five years â?¢ Few, if any, 30 day (or more) delinquencies Negatives: â?¢ The outstanding balances on your revolving accounts are greater than the average in your credit category â?¢ Application for credit made in the last two years looks like i have 9 hard inquires.. all from 2001... now what do i do? thank you! now im off to cvs to get some stuffy nose medication
