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I have very low utilization... but unfortunately my Macy's Revolving card showing 4 late payments in 2005 and Capital One 15 Late payments in 05 are effecting this completely Which im trying to remove off my credit report...
Anyone know how much will be deducted off my score apping for these? experian and Transunion was used...
TU: 686 EQ: 662 EX: 675
TU
Inquiries that may be affecting your FICO® score
EXP
You have 12 Hard Inquiries on your Credit Report
Abester000 wrote:
TU
Inquiries that may be affecting your FICO® scoreTotal: 5 TimesDate Company making the inquiry June 30, 2009 Gemb/Paypal Buyer Credit June 26, 2009 Gemb Money Bank/Amazon P March 03, 2009 Barclays Bank Delaware January 21, 2009 Discover Financial Svcs January 10, 2009 Hsbc/Neimn
EXP
You have 12 Hard Inquiries on your Credit Report
@Abester000 wrote:
Hauling.... so what do u recommend i do with both Macys and Cap 1?
Not much you can do other that try to GW away the lates.
There has to be something other that the lates holding your scores down - any ideas?
I have 13 lates reporting - 7 on one account and 6 on another, most recent July 2005. My FICO's are 700+. With these lates reporting I have app'ed for and received (since April 2008):
BofA Amex
PenFed Platinum Cash Rewards (#1)
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Citi Diamond Preferred
been invited to accept:
Macy's Visa (already had store)
and extened by pre-app offer and accepted:
PenFed Platinum Cash Rewards (#2)
There has to be something else going on with you CBR's.
Abester000 wrote:
Hauling.... so what do u recommend i do with both Macys and Cap 1?