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800 Club member. Can you share with us how many revolving, installment and mortgage accounts you currently have. Do you have any lates? What's you debt-limit ratio? Do you have any recently opened accounts? Any judgements, liens or collections?
snodog wrote:NortheastTU- 808EQ- 817EX- 823
With these scores you can bet your house, your children's 529 savings plan, your 401k and any other money you have that the reports are squeaky clean, 0 derogs. Your first question asking about TLs is all that matters here, I hope he/she returns and shares. Phenomenal Scores indeed!
crocpa wrote:800 Club member. Can you share with us how many revolving, installment and mortgage accounts you currently have. Do you have any lates? What's you debt-limit ratio? Do you have any recently opened accounts? Any judgements, liens or collections?
snodog wrote:NortheastTU- 808EQ- 817EX- 823
Congrats on your scores! I have a few questions and comments. Comments first. Your file proves my point that positive TLs are what matters, EVEN CLOSED ONES FOLKS. Read this. No new accounts, that is also key for a high achiever. Now that I'm off my soap box, can you tell me what your CLs are on all seven CCs? You list five paid installments what are they?
snodog wrote:Sure here are the details-Number of accounts -12accounts with balances -1accounts that are negative-0length of credit history-19 yrsNo negative marksdebt limit ratio- 9%7 revolving, 5 installment (I also had an old house mortgage from 1992-95 that for some reason is not showing)0 recent inquiriesMy two active accounts are both revolving and were opened in 1997 and 2006.
snodog wrote:
ThanksBank of america - $7900Citi - $7900Discover - $5500Fleet - $7600My World - $7500My Word - $7500 Yes its on there twiceChase - $11000The my world and the chase are the only active onesThe installments are a student loan which for some reason is listed 3x, and verizon (not sure why this would be considered an installment?) which is listed twice.Hope that helps
Message Edited by snodog on 06-30-2007 04:49 PM
Not taking a thing away from your accomplishments sir, but a possible situation where CRAs are inaccurately reporting info and it nets 800+ scores. Love it. About d*mn time this happened.
snodog wrote:ThanksBank of america - $7900Citi - $7900Discover - $5500Fleet - $7600My World - $7500My Word - $7500 Yes its on there twiceChase - $11000The my world and the chase are the only active onesThe installments are a student loan which for some reason is listed 3x, and verizon (not sure why this would be considered an installment?) which is listed twice.Hope that helps
Message Edited by snodog on 06-30-2007 04:49 PM