General Credit Topics

[so_confused]

And does a 30 day late on a closed mortgage acct. in oct/03 have any current impact on ones CR's?

[flygirl]

i would wait...just in case the disputes work in your favor. That's what i did. I disputed, paid down cc and loans,...and my score went up 152 pts. I then applied for 3 AMEX cards and got approved on all of them.

Good luck!!!!!!!!!

Message Edited by flygirl on 06-27-2007 11:45 PM

[flygirl]

i would wait...just in case the disputes work in your favor. That's what i did. I disputed, paid down cc and loans,....and my score went up 152 pts. I then applied for 3 AMEX cards and got approved on all of them.

Good luck!!!!!!!!!

_____________________________________________________________________________

oops...sorry for the duplicate post

Message Edited by flygirl on 06-27-2007 10:28 PM

Message Edited by flygirl on 06-27-2007 11:45 PM

[so_confused]

Thanks Flygirl, that is a good way to play it.

[flygirl]

no problem......i sure luv my Fico friends!!!!!!!!!!!!!!

[so_confused]

and we love you........

[so_confused]

have another question...On a paid mortgage...if one CRA is reporting on the condition line-closed and one is reporting transferd and the last is reporting closed(paid) and the loan was really closed(paid) could this affect my scores?

And does a 30 day late on a closed mortgage acct. in oct/03 have any current impact on ones CR's?

sorry for all the questions tonight...just really been looking at all three CR's more careful and there are alot of minor diff.

[flygirl]

---

so_confused wrote:

have another question...On a paid mortgage...if one CRA is reporting on the condition line-closed and one is reporting transferd and the last is reporting closed(paid) and the loan was really closed(paid) could this affect my scores?

And does a 30 day late on a closed mortgage acct. in oct/03 have any current impact on ones CR's?

sorry for all the questions tonight...just really been looking at all three CR's more careful and there are alot of minor diff.

---

me again.......so is the mortgage paid or transferred?? As far as the 30 day late....my mother is a mortgage underwriter and she has told me as far as mortgage lenders go, they just really look at your payment history for the past 2 years. I am fixing to refi my mortgage, but i have to wait until September 2007( I assume the wait is to get a better rate....I'll ask her), because I had one 30 day late in Sept. 2005.  Of course, we all know the older the lates are, the less they affect our scores. My scores are steadily rising with my one late on there. Hope that helps ya some....

Message Edited by flygirl on 06-27-2007 11:47 PM

[so_confused]

Hmmm