I have noticed some pretty low starting scores and thought to myself "geez, mine should be about a 300" anyway it's still weak at 557 but doesn't seem as bad as I thought. Below is what was listed on credit expert. CREDIT MONITOR SUMMARY 0 Credit inquiries posted in the past 60 days. 0 Delinquent accounts (late payments) posted in the past 60 days. 0 Major derogatory information (charge-offs and accounts in collections) posted in the past 60 days. 0 Public records information (bankruptcies and liens) posted in the past 60 days. 0 New bank cards posted in the past 60 days. Could this be keeping my score "up" where it is? If I apply for a secured credit card will this drop my score? if so, by how much? Thanks
I strted EXP CE - 587 I had one good open account (high intrest car loan) I had a few older accounts listed in good standing & inactive. one dated back to 1971, an error, my parents mortgage. It is still there. 6 charge offs, 2 collections you will find more info about this but you get points for the length of time credit history has been established. Good accounts that are old but were never closed
Is the 557 your Credit Expert Score, if so it is not real. I have a 553 on CE with no BKs and 1 judgement. I have SL and 2 chargeoffs. The CE score is just that a score. It is a guide that should be used like a match in the bat cave.
No, CE lists the score as Experians. I have two positives but since I thought I was in trouble last year I decided to not apply, accept or use any credit for awhile. So there really hasn't been any activity for quite some time, except of course that NASTY Chapter 7 on 6/12/02. The thing is I may be considered a deadbeat by some but I can say without ANY doubt whatsoever there are several things listed as derog that shouldn't be...some I have never heard of! So, what I'm seeing is five now delinquent, six were delinquent, and only my student loan and child support showing positive. Hindsight being 20/20 I'm guessing I should have checked my CR prior to Ch 7 and maybe could have done something else, but I had several old judgements(not on my CR) but were listed in the county building and I was afraid that someday they would catch up with me. Now the damn car is dying. I can see me paying 23% interest on a vehicle when my discharge papers come in. I just hope $1000 will be enough of a down payment!(sorry for wandering off in my own little world
We look more like this: https://www.creditexpert.com/creditexpert/images/homeImage5.jpg (We're the darker white meat.) Doc
UH, that would be because you live in Florida and not FREAKIN LA LA LAND at least I think you live in florida
I haven't seen the mutt CREDIT EXPERT family yet. What about that? ME half Indonesian She White as can be!
I used to live there and had to move. Miami is built on credit and I don't have any. Besides my family is so much darker! (LOL)
