Understanding FICO® Scoring

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mustangy
Posts: 69
Registered: ‎11-06-2012

Re: Too many delinquencies ??

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‎12-10-2012 06:38 AM

Thanks IOBA

 

but today check my experian from annual there is no negative why trutedid says to many delinquencies

 

I ll buy EX from their site and take look again

 

 

BOFA Master 5k# BOFA Visa 15k flex#Amex BCE 13.5k#chase freedom 5k#capital one $2000 2009#HSBC 1k closed 2009 (those guys kidding with limits)

FICO (lenders pull)scores 739 - 742 - 730 October 2012#length of history from Jan/2008
Business account###Capital one spark 2k
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IOBA
Posts: 2,539
Registered: ‎08-13-2009

Re: Too many delinquencies ??

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‎12-10-2012 08:47 PM

Again, it could be a split file or a merged file.   It could be an old collection account that shows up on the report.   Mistakes happen.  If your credit score is high, then the comment may not really have an effect on your credit score.

 

I hope you receive a copy of your credit reports and solve the mystery!

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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.

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