on journey towards FICO High Achievers

[mosros7]

I cant get it to paste I have it saved as jpeg under Windows Photo Gallery. I go copy then try to paste but it does nothing.

[guiness56]

Can you just left click and mouse over what you want to copy?  Everything should turn blue, then right click and click on paste, then come here, hit reply, right click and paste.

That is how I do it.  Never had any issues.

[mosros7]

Here is the page columns are company/acct number/date opened/balance/status this is page listed Accounts on my EQ Fico report

Security 2/2009 $0 120+ days past due

Libty Loan 10/2013 $1,772 Pays account as agreed No
Conn Credi XXXXX4631 8/2012 $0 Pays account as agreed No
Gecrb/Care 2/2011 $0 Pays account as agreed No
Gecrb/Fngr 11/2006 $0 Pays account as agreed No
Chase 5/2006 $0 Pays account as agreed
Chase XXXXXXXXX0746 6/2008 $0 120+ days past due
Lone Star 2/2009 $0 Pays account as agreed
Sun Loans 12/2008 $0 Pays account as agreed
Cap One 12/2004 $0 Pays account as agreed
Cap One 4/2008 $0 Pays account as agreed
Hsbc Bank 1/2007 $0 Pays account as agreed
1Sthorizon XXXXXXXXX5213 2/2008 $0 30 days past due
Nissan XXXXXXXXXXX0001 8/2013 $30,295 Pays account as agreed No
Sprnglffin XXXXXXXXXXXX4115 8/2013 $2,523 Pays account as agreed No
Wfds/Wds XXXXXXXX5163 4/2011 $0 30 days past due
Nissan XXXXXXXXXXX0001 12/2007 $0 Pays account as agreed
Wffinaccpt XXXXXXXXXXXXX9001 12/2005 $0 30 days past due

[guiness56]

Account Status Code (Field 17A)  properly identifies the current condition of the account as of the Date of Account Information.  If those accounts are paid in full they should not be reporting as currently late.

[mosros7]

Thanks I am calling all the lenders tomorrow to get thses showing paid. How much do you think this will increase my score?

[guiness56]

They show a 0 balance which indicates paid.  They need to update to a status other than currently past due.

I would say some points, I can't say for sure how many.

[mosros7]

Thank you Guiness for all your responses. I will post back here when they get changed and let you know my score increase. I am really determined to get my score to 700+. One more thing should I just keep what I have now and pay utl down to 10% and not try to establish any more new lines of credit. I keep seeing TL what does that stand for? 

[guiness56]

TL - tradeline or account.

I would just manage what you now have and get your utilization down.  Bringing that down alone will get you points.

[mosros7]

Update on my fico. I disputed all the 5 accounts with EQ and TU and they removed them while they dispute. My score dropped big time from 588 to 537. I guess its from age of accounts issue. I guess it will bounce back up and more when current status shows paid instead of 30-120 days past due. Thanks again guiness Ill keep you posted.