I would like to do a little analysis and see, what kind of credit leads to high scores. I currently have: 4 open credit cards 1 mortgage 1 car loan 1 student loan Revolving Credit utilization~80% (need to get that paid down) Scores are: TU 761, EX 685, EQ 695 All reports are clean, no lates
You basically hit it on the head with "need to get that paid down." Several people on the board said that FICO loves a utilization under i think 30-33%. I think you are doing well because my utilization is at 55%, with FICO scores 610-650 (depending on which report) with no derogatory/negative/late marks. Also, I find that veterans with 15+ years of GOOD credit history have a minimum of 700 fico. In a nutshell I think having sufficient credit history, little/none/aged derogatory marks and espically LOW utiliazation play a big part.
i have 43 accts on my eq report 10 with balances total cc balances $17k no lates, no baddies 732 score
pooky! i love that nick hehe uhm i have 10 open cc's now and my util is at 52% tho once my bonus check hits my citi card - it should drop to about 40% WOO! 750 here i come!!!!!!!!!
I have 2 open credit cards with 25% utilization 6 student loans (2 paid off) - installment 1 car loan (5 payments away from being paid off) Short Credit history (less than 7 years) 6 - 90+ days lates on the student loans back in 4/200 1 - paid collection back in 9/2000 Scores: EXP: 645 TU: 680 EQ: 718 Negatives are all being disputed. *cross fingers*
On EQ, I have no derogs, about 10 years of credit history, 8 open accounts of various types and 14 total accounts in the history (open and closed) and about 44% utilization. FICO is 720.
These threads are great. I have NO derogs except for the fact that I have a short account history, plenty of inquiries, and really short average age of accounts (recovering credit junkie) I have paid everything off completely and am curious to see what happens when the accounts update. 738 EQ Score (FICO?) 33 total accounts 3 installments/30 revolving 15 open/14 closed 3 recent hards/13 total hards balances $2200 751 EX CW Score (FICO?) 29 total accounts 1 installments/28 revolving 15 open/14 closed 5 recent hards/14 total hards balances $2000 796 TU FAKO Score 27 total accounts 3 installments/24 revolving 13 open/20 closed 7 recent hards/13 total hards balances $2000 HTH someone!
Re: Re: What's Your Credit Report & FICO? I bet if you paid down your utilization you would break 800!
Re: Re: What's Your Credit Report & 17 accounts, approximately 11 open. No lates. credit history 8 years. Three paid off installment loans Total debt $3500. Utilization 6%. 9 public records (paid tax liens). Most recent one filed in 97. Equifax 710 0 inquiries Experian 705 3 inquiries Tu ?
