To: Chet Re: your ?

Discussion in 'Credit Talk' started by Jim, Apr 11, 2001.

  1. Jim

    Jim Well-Known Member

    You asked how many open accounts I have?

    Equifax - 11 -. I actually have 9 but 2 older accounts I closed a number of years ago still show r1. I don't know if FICO scoring counts these 2 accounts as open even though there has been no activity on them for a few years.

    Experian and TU - 9 -.

    I think having having 18 accounts on Experian shows that lenders overall view you as a good risk but a lot of people here on the board feel that a number this high might be harming you as you seek new credit.

  2. Jim

    Jim Well-Known Member

    I forgot to mention...

    I have 3 discharged BK related items on EQ and EX each; and 2 on TU. However, the public record of the BK only got recorded on Equifax.

    Also, if it is worth anything I have about another 20 closed accounts showing as paid on time / never late going back 15 years on all reports.
  3. Chet

    Chet Well-Known Member

    Re: I forgot to mention...

    That's interesting Jim!

    Our reports are very close with exception of the time of the BK's. You get approved (of course you will :) and I got denied. Go figure!!

    Keep me posted!


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