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Credit offering free credit report card

Frequent Contributor

Re: Credit offering free credit report card

I got an A!    Interesting with a EQ FICO of 664.

 

A+ Payment history (Says no public records but my last report from TU said my judgement wasn't due to drop until 05/2010)

A+ Debt Usage        (7% -9%)

A- Credit Age           (History is 7 yrs 11 mos, AAoA 3 yrs 10 mos)      

A- Account mix        (8 revolving, only 3 open; 1 mortgage, PIF due to sale 2 years ago; 2 auto loans, 1 PIF in June)

C- Inqueries             (6 total, latest 1 in 08/2009)

 

It looks like the opinions stated above deal mostly with activity over the last 2 years. I still have a few baddies that will drop in the next 6 and 14 months that are holding my real FICO back

 

Great for entertainment purposes I guess.


Starting Score: EQ 618 TU 585
Current Score: EQ 680 TU 698 EX 681 (lender pull 04/2010)
Goal Score: EQ 720 TU 720


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Senior Contributor

Re: Credit offering free credit report card

Something is wrong

 

It says:

Credit Data:

  • 5 years of on time payments
  • No 30 day late payments
  • No 90+ day late payments
  • 0 negative records

For Payment history yet I still get a C- for that Although maybe its because I have public record that won't fall off til next year

Super Contributor

Re: Credit offering free credit report card


john398 wrote:

Something is wrong

 

It says:

Credit Data:

  • 5 years of on time payments
  • No 30 day late payments
  • No 90+ day late payments
  • 0 negative records

For Payment history yet I still get a C- for that Although maybe its because I have public record that won't fall off til next year


It's the public record.