Valued Member
Posts: 28
Registered: ‎12-08-2010

Quick question.

Just wandering when someone says no "baddies" in the last 12 month,s, as far as qualifying for credit, or when your asked when was your most recent negative event, what date is taken into account: the actual date the account went delinqent or the date it was reported by a collection agency? All of my debts are over 4 years old, but some have been reported by collection agencies as recent as 2009. Just a little bit confused about how they are affecting my score. thanks.

Valued Contributor
Posts: 2,487
Registered: ‎02-18-2010

Re: Quick question.

the date of the event, not the date reported.  :smileyhappy:

Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around

Take the myFICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+