AMex opened: 3/16/1974 Date of last activity 9/2012 Balance 1,984 Pays as agreed no bad Open
Amex #2 opened 8/1974 Paid and closed paid as agrees closed by consumer
Amex #3 12/1974 paid and closed by consumer no bad
Bank of America open 2006 zero balance paid and closed by consumer
Bank of NY/CC opened 11/80 No credit limit reported date of last activity 7/2004 Pays as agreed installment shows no balance not zero doesnt say open or closed??
Bank One Auto opened 7/2000 AST PAYMENT 11/2002 PAID MISSING REST OF PAGE GOD HELP me pLEASE
oKAY SO BESIDES SEARS being opened in 1968 before I was born two baddies only one 30-59 late Sallie Mae thanks Bro for being a jerk(dad cosigned brothers loan for MBA)Is this old enough not to hurt as my brother has made other late payments and Im afraid to wake the sleeping bear!!
One late in jANUARY 2011 FOR mortgage 30-59 day late with Mortgage service center Do you know them? it appears I contacted wrong company will try to gw
Did not list all cards or loans closed and in good standing no bads I think its safe to say he has good mix as well as age and only these few bad marks. ANy suggestions for highest FICO boost He has open one car loan 1,000 left and amex and tow toher cards probably close to zero balance. Should he pay off car loan before applying for refi??
ANd if I have all cards report zero and then one with less than 9% will the fico score hold through 30-45 days? By the way Im so tired thats why this took me so long to think and type. It would be nice if once I could help my DaD OUT OF A JAM, as there were alot of them in my youth.
Starting Score: 0
Well, doesn't look bad at all. He has a couple minor derogs with the school loan and with the mortgage. Don't know how old the school loan is, but the mortgage is approaching a year old and it will lose a lot of sting, it become pretty much irrelevant after 2 years. But when going for a refinance, he'll need to have a year of clean payments. Since it's just a one time thing, I do think a GW would be a good route to go.
So basically after that, it's the sears TL that needs to be corrected. File that BBB dispute, get the ball rolling on that. Maybe contact the mortgage and just ask if they have a one time forgiveness policy, some places actually do.
He's in good shape. If you get the Sears taken care of, I'd say a slam dunk.
Oh, and just leave the auto loan, I don't think he has a DTI problem, so just let it factor in a bit. As far as the little bump for mortgage, have only one CC with a balance, and just let it hover at a couple percent. Less than 9 anyway of it's CL.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
tHANK YOU THANK YOU THANK YOU!! I go to Long Island tommorow will do better business bureau, and mortgage forgivance. I was aware of that but seems I contacted the wrong company. Oh... sometimes you need to make sure you are going in the right direction. Im so glad u and the beagle are up. By the way your daughter may say Dad really but one day when she is older you can bet she will boast about how she knows so much about credit and why she has a perfect score..how old is she now??
The school loan opened in 1999 and the late was in 5/2009
She's 13 and already knows it all. Just ask her. LOL
2009? Lost all it's sting, doing more good than bad. Just leave it.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Oh she only knows it all wait till she is about 15 and she thinks her parents never did this or that? Im planning on hopefully having a child in the next year! But I m already for sorry for this child because if they can think it up chances are I already did it.LOL even harder!! Thank you for all your help Ill keep you posted as sooon as the show gets going!!
@Shogun wrote:She's 13 and already knows it all. Just ask her. LOL
We have a 13 year old girl as well,
Highschool, /shudder
