@Anonymous wrote:
Thanks to anyone who can explain these to me.
You have to do the research to determine what's going on. As stated above, new tradelines that you just opened will not report back to 2012 and it's likely that if you have new accounts that opened in April that at least some of them are not reporting yet. Carefully compare the details of the accounts on your reports to your accounts (e.g. look at limits, open dates, last balance, last payment, etc).
How often had you been checking your reports prior to this? Make sure you're regularly reviewing your reports for accuracy and addressing issues and incorrect information. At the very least make use of the Annual Credit Report site.
@Anonymous wrote:
I haven't checked my credit score since 2005 until April this year (2016), and I got 590-610.
You don't have just one score. There are many models used by creditors. For info on FICO models used by creditors hit the Understanding FICO Scoring subforum and read the stickies. For most models you have a score with each of the 3 major CRA's.
@Anonymous wrote:
Is this good or bad? What I've read about tradelines, they can be bought? Or using someone else's good credit? Does this mean I'm using someone else's? I don't want these to become an issuse down the line if it's something fraudulent.
Don't rely on good and bad. If they're not your accounts then you may need to handle them as identity theft (see the stickies) or they may be just an error. Again, you have to investigate to determine what's going on.
@Anonymous wrote:
I have the screenshots of the accounts. I'm not sure I can upload it on here.
Sure you can. Click on the Insert/edit image button. Click on Choose File and browse to the image you're posting. Or, if the image is hosted somewhere specify the URL to the image on the From Another Site tab. This all assumes that you're browing from a computer and not from a phone.
