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New Contributor
Posts: 105
Registered: ‎02-01-2011
0

credit histrory split across all 3 CRs

I have accounts in good standing that are split up among all 3 CRAs. Every time I run my credit report/score it tells me I'd do better if I had a revoving credit line, or an installment loan. I have all these, but they are split onto different CRs. In addition I'm sure my scores are artificially low. Is there a way to get them on all my credit reports so that I can have a real picture of my credit and an accurate score. Why should I have to pay more in interest because lenders choose different CRAs? Very frustrating...

 

Thanks,
JD12

 


Starting Score: EQ 660, TU 698 - 30-Jan-2011
Current Score: EQ 710, TU ?? - 02-March-2013
Goal Score: EQ 700, TU 720 30 - Jan 2011


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Valued Contributor
Posts: 1,671
Registered: ‎05-24-2007
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Re: credit histrory split across all 3 CRs

Most lenders report to all three CRAs. When I had 38 lenders reporting, all three reports showed exactly the same accounts. The only difference now is that one of them has not dropped off a few old closed accounts that came off the other two last year.

 

What kind of lenders are you using. Are they really small companies or something?

New Contributor
Posts: 105
Registered: ‎02-01-2011
0

Re: credit histrory split across all 3 CRs

It looks a bit odd, really.

 

I have Sallae Mae accounts (4?) one some CR and 2 on others. They have different opening dates, so I'm not sure they are dups. I'd like to get them "consolidated" from a reporting standpoint. (They've already been consolidated with the US Dept of Ed.) If I could do that, then I would have less accounts and still have the same age. Has anyone ever had anything like this done?

 

I also have one secured card that only reports to 2 CRAs. EQ is not reported to.

 

Thanks,

JD12


Starting Score: EQ 660, TU 698 - 30-Jan-2011
Current Score: EQ 710, TU ?? - 02-March-2013
Goal Score: EQ 700, TU 720 30 - Jan 2011


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Valued Contributor
Posts: 1,671
Registered: ‎05-24-2007
0

Re: credit histrory split across all 3 CRs

If the accounts have no negatives, I only see negative effects from "cleaning up" these reports. If any of these accounts have negatives, I would get more information from others.

 

As you get more mainstream accounts, they should all report to all three CRAs.

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