Credit Cards Center Credit cards from our partners
Reply
New Contributor
Posts: 50
Registered: ‎01-04-2008
0

understanding my recent eq fico report

I am puzzled but not ungrateful by a generous increase in my EQ score. I just pulled my EQ report and just receive a +50 points (766) compared to the one I pulled last month (716). The difference I noticed is that the negative factors are no longer there that was in the "What's hurting your FICO Score" section of the report last month. These 2 items seem to longer be no longer hurting my score eventhough I still have the same accounts showing the same delinquencies (60 and 90+ days) in the previous report.

 

1.You have a serious delinquency (60 days past due or greater) or a derogatory description on your credit report.

 

2.You have multiple accounts showing missed payments or derogatory descriptions.

 

Could it be that these baddies are no longer affecting my score? Has anyone else experienced this?

 

Thanks!

 

 

 

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0

Re: understanding my recent eq fico report

Are the accounts in dispite, or listed as such within the comments?

New Contributor
Posts: 50
Registered: ‎01-04-2008
0

Re: understanding my recent eq fico report

[ Edited ]

llecs wrote:

Are the accounts in dispite, or listed as such within the comments?


 

I already checked to see if they are in dispute and they are not. I double and triple checked the reports for any discrepancies. I did not find any differences in the current and previous month's report. They still list the same exact baddies.

 

I am assuming that the baddies are no longer pull down my scores.

 

I also forgot to note that the positive factors notes that i have no 60 or more days delinquencies on my report. I clearly have 3 accounts with these type of baddies.

 

"There is no evidence of a serious delinquency (60 days past due or greater) or derogatory description on your credit report."

 

Any ideas?????

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.