TU file question

I just obtained a new TU report/score which is the first time I have been able to get the 'online' version.

I'm very happy with the score as last month it was 758 and now it's 772 (some balances I had paid off are finally reporting as zero)

One of my reason codes is too many active accounts. I see several which don't have a closed date but they were installment loans and as such a consumer doesn't go about actually 'closing' them but rather simply pays them off. I don't know how the 'system' interprets this, though, or if/how it would affect score. Anyone have any experience with this? Has anyone gotten TU to show it as closed?

Another account (a revolving one) includes the statement 'closed by consumer' but it also doesn't have anything in the 'date closed' area.

Two revolving accounts (credit cards) are listed as "charge" cards.

Also, what's with an account which was closed in early 1996 still updating every month???? Does this affect what the score may use for 'date of last activity' even if the ONLY activity since 1996 would be that the creditor keeps updating?

I've not paid much attention to TU but some of these things are bothering me. Of course there is the issue also of, instead of an actual date, the notation; "in last xx months since last xx..." which is really irksome. I've got that one, too.

Also, every single major cc account I have does all their AR's on TU, one of which just upped my APR. They said it was an 'across the board' adjustment and had nothing to do with me personally or my credit report but I think they are penalizing me for having made an application last month. I only have their inquiry from last year and a new one last month for another credit card for a total of 2 in 2yrs. Since I know that there are others who have not had their APR messed with by an 'across the board' increase I can only suspect that by applying for another card they feel I must now be put in the dog house.

Mist

EQ - 731
EX - 732
TU - 772

 

Oh, don't worry George. I only had a small balance on them when I got the 'change in terms' letter and paid it off immediately. I will keep it open because it is my highest credit limit @17,500 and that helps my ratios and thus my score --- I'm not going to cut my nose of despite my face!

 

Breeze,
The idiots are Juniper. All three of my profiles have done nothing but get better and better since I opened the Juniper account last fall. Balances have gone down by $11,000 and score just goes higher and higher. The ONLY thing that I can think of for why they jacked me was a Discover Inq which posted a week before I received the change in terms. They only do AR's on TU and my TU report is excellent with a 772 score up from 758 last month and 728 around the beginning of the year. Juniper seems to do AR's just about every month. They should see my profile getting better and better.

BTW, I was denied the Discover card because of "too many new accounts with balances" - I've been using three accounts which are under 1 yr old. Two of them I use for points/mileage and pay off every month in full. One I had a balance on, albeit a very small one.

Even with good credit some of us still get jerked around. Good credit and high scores don't mean as much as I thought they did. :-(

Mist

 

I just called Juniper again. They still say this was an "across the board increase." I asked them again why I know people who did not get the increase and they said everyone will be getting it - that if they haven't received the change in terms yet they will soon.

If you have Juniper please post your non-promotional rates. If you have also received the change in terms please post your jack-up rate.

My jack up rate goes to 17.99 effective later this month. This is no problem as I have a zero balance but I'm insulted if they are lying to me and aren't jacking everyone else!

Mist
EQ 782 (6/02)
TU 772 (5/02) - Juniper does AR's on TU!
EX 732 (6/02)