Reply
Established Member
Posts: 70
Registered: ‎07-24-2013
0

Credit Report is on life support!!! 37 hits

I looked over all 3 credit reports and they need medical attention ASAP! Ive spent the entire summer PAYING PAYING PAYING DEBT!!! Nothings left over from my check to do anything with! Yet, my credit looks worse than ever. Its like paying my bill collectors didnt do jack squat. So I am looking over these credit reports and dont know where to start from.

 

I have 37 lines of reports... alot of them are multiples because i pulled 3 reports and they didnt line up correctly... some of them are paid in full but show up badly... others i am good on my payments but they report bad with one credit company but great on the next... others are months late for reporting that i am caught up on payments... others i paid off in full but hasnt been updated.... wow its a freaking mess... I even have one that is 8 years old.... i thought the limit was 7 years?!?!?!

 

WHERE DO I START????


Starting Score: 515
Current Score: 576
Goal Score: 700


Take the myFICO Fitness Challenge
Established Member
Posts: 70
Registered: ‎07-24-2013
0

Re: Credit Report is on life support!!! 37 hits

Open
USDOE/GLELSI
Account Name:

No match found.

No match found.

USDOE/GLELSI
Account #:  114075XXXX
Payment Status:  Paid or paying as agreed
Account Type:  Installment Loan
Balance: Show Detail   $22179
 ExperianEquifaxTransUnion
Open
US DEPT OF ED/GLELSI
Account Name:US DEPT OF ED/GLELSIUS DEPT. OF EDUCATIO

No match found.

Account #:114075XXXX114075XXXX 
Payment Status:CurrentPays account as agreed 
Account Type:Installment LoanUnknown 
Balance: Show Detail $22179$22179 

Starting Score: 515
Current Score: 576
Goal Score: 700


Take the myFICO Fitness Challenge
Established Member
Posts: 70
Registered: ‎07-24-2013
0

Re: Credit Report is on life support!!! 37 hits

Above is an example... It doesnt show it but on the first line there is a RED EXLAMATION mark for the student loan... which im in grace atm.... and on the second line both credit beaurors show it in good standing... can i fix this?


Starting Score: 515
Current Score: 576
Goal Score: 700


Take the myFICO Fitness Challenge
Established Member
Posts: 70
Registered: ‎07-24-2013
0

Re: Credit Report is on life support!!! 37 hits

When I hover on the red exlamation mark it says "LATE" but when i click on the 24 month payment history... its all green and shows no lates!


Starting Score: 515
Current Score: 576
Goal Score: 700


Take the myFICO Fitness Challenge
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Credit Report is on life support!!! 37 hits

[ Edited ]

For starters, I would pull your reports from annualcreditreport.com.  You get 1 free from each CRA every 12 months.  Those have a 81 or 82 month payment history.  They are also more detailed and accurate than the ones from a 3rd party.

 

Were you ever late on the SLs?

Established Member
Posts: 70
Registered: ‎07-24-2013
0

Re: Credit Report is on life support!!! 37 hits

I may have been late once a very long time ago. I took a semister off and they never notified me that my payments started and by the time I resolved it I had already started the next semister.


Starting Score: 515
Current Score: 576
Goal Score: 700


Take the myFICO Fitness Challenge
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Credit Report is on life support!!! 37 hits

If you were ever late, it will always be adverse until that late falls off.  Each late falls off 7 years from the date of occurence.

 

 

Established Member
Posts: 70
Registered: ‎07-24-2013
0

Re: Credit Report is on life support!!! 37 hits

Okay got ya... so even if all the other 83/84 ontime payments look good.. then that one late will make it all look bad


Starting Score: 515
Current Score: 576
Goal Score: 700


Take the myFICO Fitness Challenge
Established Member
Posts: 70
Registered: ‎07-24-2013
0

Re: Credit Report is on life support!!! 37 hits

Next question:

 

 

This is the oldest thing on my report

 

9 YEARS OLD AND CLOSED... what should I do about this? I thought it had to fall off after 7 years

 

 

 

 

 

Account Name:

No match found.

No match found.

HEARTLND B&T
Account #:  180500008712XXXX
Payment Status:  Paid or paying as agreed
Account Type:  Installment Loan
Balance: Show Detail   $0

Starting Score: 515
Current Score: 576
Goal Score: 700


Take the myFICO Fitness Challenge
Established Member
Posts: 70
Registered: ‎07-24-2013
0

Re: Credit Report is on life support!!! 37 hits

This is the same one but shows the date...

 

 

 

 

Account Name:

No match found.

No match found.

HEARTLND B&T
Account #:  180500008712XXXX
Payment Status:  Paid or paying as agreed
Account Type:  Installment Loan
Balance:  $0
Date Open:  05/07/2003
Last Updated:  01/20/2004
Account Status:  Closed
Terms:  12 Months
Phone #:  No Phone Provided

Starting Score: 515
Current Score: 576
Goal Score: 700


Take the myFICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.