I don't post much, but as some of the regulars may remember, I posted awhile back that I have decided not to do anything with my credit right now until my Student Loans come out of default. ( I did however send Lizardkings Validation Letter to RMA who has been ignoring my requests for validation) any way...I have decided to concentrate on hubby's instead...well so far I have gotten his EX score from 582 to 657 in less than a month(this is the Credit Expert score which I understand is not 100% accurate) What I want to do now is concentrate on EQ since they are the ones pulled most often here...so today I ordered 1 Score Power and his score is 586...bad bad. The reason codes are 38 10 13 8 38-serious delinquency-I assume this is the judgements? they are both paid, but one on EQ shows VERF PLAINTIFF JDGE SAT- NOT RECORDED WITH COURT ??? On Ex it is right. 10-Balance/Limit ratios-Cap One not reporting limits...also his new Citibank card is not on there yet, it is not on EX either...any idea how long it usually takes them to report? 13-Time since delinquency too recent or unknown- There is a collection from 97 on there that we paid 4/01 and it is showing 120 days late as of 4/01...wtf! I have disputed it as not his...I got it deleted from mine this way (fingers crossed) he has 2 other accounts with lates one 7/99 the other 1/00...how recent is too recent? 8-Too many inquiries-like 12 in the last 2 years Also he has an account on there for a car (POS...I will never own another ford) with late pays, but we did pay it off on time, yet it is showing the status as Pays 91-120 days late...is this right? The other account with lates shows Pays as Agreed since he did catch up on the late pays and got it up to date as well. I am sorry this is so long, I am just looking for direction, we really want to buy a house this spring, and need to get this fixed ASAP. Any thoughts would be appreciated Also...he now has a MC and a VISA, but no store cards. Should he get one before he goes on the wagon? And if so, who will approve him with this score? Thanks Larissa
