Valued Contributor
p-
Posts: 2,634
Registered: ‎06-05-2008
Re: CREDIT REBUILD PROJECT LOG
Reports as of 6-4-08:
 
EQUI:
 
# Accounts Past Due - none
 
Credit History - 8 years
 
Late Payments - 18                            yikes!
 
# of Accounts - 8
 
# of Accounts w/ balances - 2
 
Accounts opened in past year - 0
 
Recent Inquiries - 3
 
Collections - 7                                     range from true to impossible, spread over past 7 years
 
Public Records - 1                              judgement from where?  never recieved summons
 
Initial red flags:
late payments from period of unemployment on student loan, car pmt, and home phone, now current, but all 3 reported lates.  old home phone acct closed in march 07 but reported late through march of 08!
 
EXPER:
 
# Accounts Past Due - none
 
Credit History - 7 years
 
Late Payments - 12
 
# of Accounts - 8
 
# of Accounts w/ balances - 2
 
Accounts opened in past year - 0
 
Recent Inquiries - 4
 
Collections - 5                                    
 
Public Records - 0                             
 
TRANSU:
 
# Accounts Past Due - none
 
Credit History - 4 years
 
Late Payments - 19
 
# of Accounts - 7
 
# of Accounts w/ balances - 2
 
Accounts opened in past year - 0
 
Recent Inquiries - 3
 
Collections - 7                                   
 
Public Records - 0      
  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL