12-06-2009 02:31 PM
MM, I am sorry to say your conclusion was wrong. Have you taken into account the possibility that your AU status is not being taken into consideration when calculating your FICO score because the creditors are not reporting to CRAs? If they start reporting, then your score will reflect your AU accounts.
It is possible that if you have a different address from that of the primary account holder, your creditor will not report AU. Some creditors do not report AUs at all. If you run a search on this board for this information, you can find multiple posts stating the same.
Your best bet is to contact the creditors and inquire or request reporting.
I also have a piece of friendly advice to you. While I can appreciate you wanting to learn at your age about credit and finances, I would advise that you remain respectful in your posts. Some members who may be able to offer you advice may be put off by your attitude. The moderators on this board are very knowledgeable and have had a great success in maintaining and/or improving their scores. So have a lot of the members.
12-06-2009 03:01 PM
I would like to get back to my question everyone. Please! I apologized. Thats it. Now back to the question. I have a very low tolerance to BS. ----BACK TO THE QUESTION.
...as do most of the posters here.
12-06-2009 03:06 PM
Well questions are is this enough credit for my page with an income of 67k and how much should I expect to have in about 2 years?
You currently have enough credit for someone of your age & income.How much you'll have 2 years from now will depend in large part on the overall economic climate. At the moment, banks are much more cautious about granting unsecured lines of credit than they were a few years ago. Perhaps that will change over the next 2 years. Then again, perhaps it will not.
I have a very low tolerance to[sic] BS.
So do we.
12-07-2009 03:48 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.