This is from Transunion they say the max score I can have is 934 I thought it was 950. I have 2 recent collections that are in dispute...could that be the reason they don`t mention them as part of the reason for my low score? Any input is appreciated Your Credit Score: 506 Minimum Score: 150 Maximum Score: 934 return to top Print your report Factor 1: RETAIL ACCOUNT BALANCES ARE TOO HIGH IN PROPORTION TO CREDIT LIMITS CONSUMERS HAVING HIGH BALANCES ON THESE ACCOUNTS IN RELATION TO THE CREDIT LIMITS ARE MORE LIKELY OF FUTURE DELINQUENCY. LOWERING YOUR BALANCES ON THESE ACCOUNTS MAY IMPROVE YOUR CREDIT SCORE. Factor 2: LENGTH OF TIME OLDEST BANK REVOLVING ACCOUNT HAS BEEN ESTABLISHED IS TOO SHORT LONGER CREDIT HISTORIES PROVIDE MORE PAYMENT BEHAVIOR INFORMATION. CONTINUING PROMPT PAYMENTS OVER A LONG PERIOD OF TIME ON THE SAME ACCOUNTS MAY IMPROVE YOUR CREDIT SCORE. Factor 3: AVERAGE BALANCE OF BANKCARD ACCOUNTS IS TOO HIGH HIGH BALANCES ON THESE ACCOUNTS HAVE A NEGATIVE IMPACT ON YOUR CREDIT SCORE. LOWERING YOUR BALANCES ON THESE ACCOUNTS MAY IMPROVE YOUR CREDIT SCORE. Factor 4: PERSONAL FINANCE ACCOUNT BALANCES ARE TOO HIGH IN PROPORTION TO CREDIT LIMITS CONSUMERS HAVING HIGH BALANCES ON THESE ACCOUNTS IN RELATION TO THE CREDIT LIMITS ARE MORE LIKELY OF FUTURE DELINQUENCY. LOWERING YOUR BALANCES ON THESE ACCOUNTS MAY IMPROVE YOUR CREDIT SCORE. I just think it is weird they don`t mention the collections...could they have been removed?
It's possible they removed it. I thought that TU lists the disputed item on your credit report as "in dispute (or whatever)" until its complete. Here to hoping it was deleted! Smitty I always wanted to be somebody, but I should have been more specific.
