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Is this a good or bad thing for someone trying to rebuild?
This isn't necessarily true.
I had no credit score because my entire credit history at the time (before the merged/split file stuff was fixed) was collections.
You need 6 months of traditional open credit history to generate a score.
If you're not sure what is on your reports, you should request copies of them.
I have collections. 8 on TU (five about to fall off). Only two baddies on EX or EQ. No open accounts. Both cards are in the mail. Btw, why do so many report to TU and not the rest?
@mysterythemoon wrote:I have collections. 8 on TU (five about to fall off). Only two baddies on EX or EQ. No open accounts. Both cards are in the mail. Btw, why do so many report to TU and not the rest?
That is precisely why you don't have a score. No open accounts.
You'll get a score once your cards have been open for 6 months.
No idea about the reporting practices. I'd guess it's just whatever they pay for as often times that's enough to get the job done.
@mysterythemoon wrote:I have collections. 8 on TU (five about to fall off). Only two baddies on EX or EQ. No open accounts. Both cards are in the mail. Btw, why do so many report to TU and not the rest?
OP, have you had accounts before but are now closed that show on you credit reports? If so, maybe as soon as your Cap One and Discover cards start showing up on your reports, it gets to generate scores. Good luck!
Different CRAs are showing different things. All three show a charge off from Kohl's for 421 dollars from January 2015 (I've contacted Kohl's about a PFD). TU has collections from two auto insurance companies (both one month's bill that was never paid when I moved), cable (same reason), phone (same reason), unpaid court collections from 2009 (set to drop in September), and a collection from an eviction (set to drop in mid 2017). EQ and EX just have the unpaid cable collection, along with the Kohl's Charge off.