I checked my report today with TransUnion, and they listed one of the reason codes, Bankcard account balances too high. I figured out the ratio, and I only have a 3% usage ratio! What do they expect me to do, charge nothing!!! This is pathetic, and truly proves their scoring system is worthless!!!
Don't stress, Matty, the TU score is bogus anyway. Mine has gone from 640 to 728 to 670 to 643 all in the course of about 4 months. The first jump was due to a civil suit deletion, but I can't figure out what the other drops in score resulted from. It's totally screwy. Don't worry, you're doing great! )
Thanks for the encouragement beaker! They must be total idiots or something! I should write them about it and see what they say.
Re: Transunoin score, what the hell LOL, and Matty, if you let Trans Union know that you don't turn 18 until June 2002, they'll revise your credit score to zero in the mean time, since credit files aren't maintained (or aren't supposed to be) on minors. Just FYI. Doc
Re: Transunoin score, what the hell Matty prolly has an "estimated" DOB, LOLOL. Well, if mine can be 1919, why can't his be whatever he wants?
Re: Transunoin score, what the hell Psychdoc, i contacted the credit union on that, and they said they can maintain them on minors. But I won't be contacting them anyways.
Re: Transunoin score, what the hell PsychDoc you are one funny dude. I'm ready for your next radio show.
