Here is the information I just found out. I only have 2 negative items on my TU report. Both are related to credit cards. One is a CA and the other the creditor. CA is said to be 'opened' 11/99 Balance $5k+ Creditor said to be 'opened' 9/1/95 Most Owed 2500+ Those are the only two negatives.. but I get the following: Your Credit Score: +709 Minimum Score: +150 Maximum Score: +934 So that means I have a 709??? How could I have such a high score? However, I also have reasons: Factor 1: TOO MANY ACTIVE ACCOUNTS WITH A BALANCE YOUR CREDIT REPORT REFLECTS SEVERAL ACCOUNTS WITH BALANCES, WHICH HAS A NEGATIVE IMPACT ON YOUR CREDIT SCORE. Factor 2: TOO MANY DEROGATORY ACCOUNTS OR PUBLIC RECORDS YOUR CREDIT REPORT REFLECTS ONE OR MORE ACCOUNTS WITH A DEROGATORY PAYMENT RATING OR A PUBLIC RECORD SUCH AS A CIVIL JUDGEMENT, BANKRUPTCY OR TAX LIEN. Factor 3: LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED IS TOO SHORT LONGER CREDIT HISTORIES PROVIDE MORE PAYMENT BEHAVIOR INFORMATION. MAKING PROMPT PAYMENTS OVER A LONG PERIOD OF TIME ON THE SAME ACCOUNTS MAY IMPROVE YOUR CREDIT SCORE. Factor 4: DEPARTMENT STORE AND CLOTHING 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. So what does all this mean? Does that mean my TU report is good or bad?? Can I apply for credit cards taht only pull TU now?
Only F.I.C.O. is available from EQUIFAX.... https://www.econsumer.equifax.com/webapp/ConsumerProducts/pgConsumerProducts? SITE DOWN??? Worked a couple of days ago...
