If you would like to see the multiple effects of individual actions you take on your overall score, you might want to take a peek at the Excel spreadsheet that I have developed. Just contact me, and I will send you a copy of my work.
Every now and then, TheNewWorldMan's classics need to be brought back. MV likes to post the monk-scroll-camel explanation of CRA updating, and I've always loved this color guide.
My EX just jumped after a 90-day went over 2 years, and I am now an azure queen. Woo-hoo!
(And I do hope that anyone still in hip boots trying to clean up their history and improve their scores will realize that all of this is tongue-in-cheek and not feel hurt. I was a very pitiful orange busboy last April. )
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit? FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
OMG, this is the first time that I have ever read this. I am about to wet myself from laughter. This is great. We need some levity added to the stress of cleaning up the old CRs. Thanks TNWM. Anybody ever hear of a king, who doubled as both mayor and store clerk? You have now.
___________________________________________________________________ Do what is true in spite of the consequences--your future is only as true as you are.