....with no visible negative info...although reason code #3 clearly states: TOO MANY SERIOUS DELINQUENCIES YOUR CREDIT REPORT REFLECTS ONE OR MORE ACCOUNTS WITH A DELINQUENT PAYMENT HISTORY OF 90 DAYS OR MORE DELINQUENT. MAKING PROMPT PAYMENTS OVER TIME MAY IMPROVE YOUR CREDIT SCORE. ...however, nothing on any account indicates such...unless I've been under the misconception that my student loan lates were gone when they really weren't...hmmm....once they were there at worthknowing, plain as day, and now they aren't. I'm running 660 at FICO...679 at Experian...and 561 with these yucks? Oh, and #1 reason code: TOO MANY ACTIVE BANKCARD ACCOUNTS YOUR CREDIT REPORT REFLECTS A NUMBER OF BANKCARD ACCOUNTS, WHICH HAS A NEGATIVE IMPACT ON YOUR CREDIT SCORE. Wonder what a REAL TU score (ala at a bank) would look like...hmm again. Seems like I had a 670-something a few months ago...good thing the Sprint collection got deleted, otherwise I'd be in single digits...LOL. David
....and P.S....am I the only one with a horrid TU score with OK/acceptable/not-the-greatest-but-not-the-worst-will-hit-700-in-the-coming-year EQ's and EX's? Just wondering....
My TU Score sucks as well. I'm at 474 and the EQ and EX are high 500s. That's a big difference if you ask me. Don't take much stock in the TU score. It's the most random of the scores out there.
It's not just you. I've got a 517 at TU, a 660 at Experian, and a 618 at Equifax. The TU report has a negative that the others don't have, but it doesn't seem like it should have that much effect on the score. I guess I'll find out on Friday when they're supposedly deleting 2 negatives.
Ex & Eq mid 600's. TU 502? WTF are those clowns doing in that place? Beside hosing all our financial situations?
Hey, I thought I was the only one, got EXP 679, EQF 643, and TU 532...HELLO>>>Can not get them to delete any inquries and I probally have a quadzillion this year..
Megasun, Do you think a quadzillion would be seen as excessive, LOL! I am in the same boat, just try to stop inquiries for at least 4 months and I think you will see your score improve. Or you could try Doc's trick for deleting inquiries. Just trying to keep the MAN'S foot off my neck.
Girl...what do you mean, that was with Doc.s helo.LOL You know, it is like an sickness. But, I really am trying, I'm a Real Estate Investor, and its like all the Mortgage Co.s want to take a peek, and maybe another one, and I see on line app. and they just keep on going up..no help for this kind of sickness..LOL
with no visible negative info...although reason code #3 clearly states: TOO MANY SERIOUS DELINQUENCIES YOUR CREDIT REPORT REFLECTS ONE OR MORE ACCOUNTS WITH A DELINQUENT PAYMENT HISTORY OF 90 DAYS OR MORE DELINQUENT. MAKING PROMPT PAYMENTS OVER TIME MAY IMPROVE YOUR CREDIT SCORE. David ================= This is perfectly legal. They are free to use the info. any way they see fit. They can use your info against you even if it's not negative!
Beside hosing all our financial situations? mfactor ================= mfactor : Good description of Credit Reporting and Scoring.
