Dayton Hudson Operations Ctr XXXXXXXXXXXX INDIVIDUAL ACCOUNT 11/2000 12/2001 Revolving PAYS AS AGREED $258 $0 07/2002 Prior Paying History CHARGE I have never seen "Charge" in the prior paying history... my credit limit was only $300 I pay them in full every month! please dont tell me it means something bad.. oh please!
whew! i was worried for a sec now if i could only figure out why i only have a 617 fico and it hasnt changed in a month i have no bk, 2 late pays from 1997, like 4 inquiries from late 2000 i owe about 17k cc's and have 39% available thanks george!
to quote GEORGE if he does not mind. RNG Random Number Generator Honestly you never know what FICO will do
I had a BIG "HIT" when I paid off $30,000 in credit cards in one month... Some have a increase in score when they APPLY for a credit card... You can have a "BADDIE" removed and LOSE points... YOU NEVER KNOW HOW THE RNG WILL ACT!!!
I wish the damn CRA's would get their wording straight. CHARGE used to mean OPEN (non-revolving, Diners or Amex, and in the old days, gas company cards that were due in full every month). Now CHARGE and REVOLVING can be the same. My score's taking a hit (I recently found out) because Morgan Stanley is reporting a HE-LOC as REVOLVING without coding it as MORTGAGE. When I got a look at a 3-in-1 RMCR the totals were all whacked - my housing #s only included the 1st mortgage, while the revolving #s included the HE-LOC. Apparently FICO didn't like $140k in revolving debt (with a 150k limit!). Talk about a ratio buster! Vigilence ... go through your reports with a fine tooth comb! -mj
