05-01-2007 08:22 AM
05-01-2007 10:12 AM
You are doing great. I would just work on getting that 30 day late removed and get your balance paid off. You should also be able to get a few store cards like Target or Walmart.
ktl55 wrote:I just printed my fico scores from 4/4.This is what I see and how it has changed.TU Report - 640The blockbuster account I asked about yesterday is listed as a late payment - I sent a dispute letter yesterday. This was before I saw your post on sending a goodwill ltr. If deleted will this help my score and report?What's hurting your score:I have a collection and a serious delinquency on my credit report# of acct that were ever 60 days late or worse - BB accountNumber of collections - Dental Bill from 2001 - This was a PFD - it has successfully been deleted.I made heavy use of my avail revolving crdt. Have a $400 limit. I currently have a $275 available credit. This hasn't been updated yet.I have a short credit history - Oldest account 5 years (student loan)Average age - 4 yearsI have few accounts that are in good standing - 1 account (my credit card current, my student loan was deferred in Jan 07, will go back to making payment this month)new alert as of 4/14 - not on this fico scoring.In your eyes, how am I doing and what should I change? This is only one report, I will tell you what Exp says of you allow me.
05-01-2007 10:24 AM
05-01-2007 10:44 AM
05-01-2007 11:04 AM
05-01-2007 11:07 AM
It can be very confusing. Inquires in the last six months hold the most weight. That does not mean older ones irrelavent unless they are 12+ months old.
ktl55 wrote:ok, so why have I read that only inq within the last 12 months can effect your score or that creditors only acknowledge inq in the last 12 months. Believe it or not I've read 6 months as well some places. This whole credit thing is sooo confusing. I just want to clean up my credit. Not really interested in anymore CC, loans or even a new car. I have a house and the car (2004) I drive is paid off. Both notes are/were under my husbands name but my name is on the deed and title of both.