I finally got there.

[Anonymous]

  Hey! Way Cool! Congratulations!   I wanna be like MVV!

CB

[fused]

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@MarineVietVet wrote:

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@LIGHTNIN wrote:

No missed payments

Oldest account opened 21 years, 7 months ago

AAoA 6 years

Utilization 5%

Recent use of credit cards

I think that says it all....no missed payments,low util and a good AAoA.

Hey marine.....What kind of car did you get??    just being nosey.

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I guess I should have been more clear. It wasn't a NEW car loan. It was a new car LOAN. It was a 2000 Chevy S-10 for my son.

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Cool! I have a 2002 S10 and just love it.

[StartinOver]

Thx for sharing and the encouragement. I believe if I could get my school loan lates off my 7 accts, it would really affect my score. My other info is similar to yours, though I have some older things that hopefully don't affect as much. Some day, maybe next year, I might have a nice credit report. That is, if I find another job quickly!  You never know what a day will bring.

[mod-moose]

Congratulations on a job well done!

[LIGHTNIN]

It's Christmas...............................No, its April Fools day ROTFL

MVV......I would be proud too, if i had a FICO of 800!!!

[haulingthescoreup]

Sweeet!!!

One day, one day...

[MarineVietVet]

I was going through some old papers today and found an Equifax score I had bought on 7/2/2006. It was a 663. It said my credit risk is "Poor".  Oh really? 

The key factors affecting my score:

* Being seriously late or having derogatory indicators/remarks on your credit obligations is being reported on your credit file.

* The proportion of balances to credit limits (high credit) on your revolving/charge accounts is too high.

* There is evidence of multiple accounts with missing payments or having derogatory indicators/remarks reported.

* You have a relatively high number of accounts with balances.

What a difference just a few years can make.