Well, my TU report is still reporting 3 accounts with balances even though I paid them in full over 4 month's ago. I just filed a dispute with them a few weeks ago to get them updated. Not sure how that will go, but we'll see and keep you updated.
So, on TU, I have 11 open accounts and now 7 with balances (though in reality it's only 4).
TU score dropped from 707 to 697 when the 7th account hit out of 11 with a $4.00 WaMu balance.
EX score dropped from 789 to 783 when the 4th account hit out of 11 with a $4.00 WaMu balance.
EQ score stayed the same at 775 when the 4th account hit out of 11 with a $4.00 WaMu balance.
On the overall Fico scoring model, my credit overall went into the "good" category right around 666-670. I remember when it was at 662 and how disappointed I was when the scale still told me my credit wasn't even good!! Even at 707, my TU still only says my credit is good...
Now my EX and EQ tell me I'm GREAT and I love seeing that.
Message Edited by ficonovice on
03-12-2008 11:57 AM
Rust never sleeps and neither does my fico score...