topic Re: My CSC Report in General Credit Topics

My CSC Report

laz98 — Tue, 16 Dec 2008 05:51:59 GMT

So, I just got my CSC report, after disputing off some old (read: ANCIENT!!!) addresses....about 16 of them!

Anyway, a couple of questions about how to understand this idiotic report:

1) I know derogatory information is coded a certain way. What do O-6 & O-9 mean? (besides VERY bad)

2) On my list on Companies That Requested Your Credit History (Are these all hard inquiries??? I have about 100 of them! Yes, some are old, but STILL......), some of the inquiries have little codes next to them. Of course, CSC did not send me a guide as to what these codes mean....I am guessing AR is Account Review, but I also have ND, CD, & ID. What the heck are these?)

Thanks in advance!

Re: My CSC Report

Junejer — Tue, 16 Dec 2008 06:00:35 GMT

Hey laz, here are a list of codes that you can use to help with some of this. In short, 9 is collection or chargeoff and 6 would likely be 150 dpd (although I am ready to be corrected on that one).

The INQs should be separated between the hards and softs. I will dig out a CSC report and let you know.

Re: My CSC Report

laz98 — Tue, 16 Dec 2008 06:10:41 GMT

thanks byrdman!

ironically, i was JUST looking at that very post......i realized i should have done a search before posting

anyhoo, my inquiries (a SOLID page of them! & then some) are just listed as 2 columns, from most recent to least. from what i can tell, a lot of them are from when i pull my TC reports, which is fine. i'm worried, though, because there are still quite a few of them, even without those........& yes, i'm only talking about the ones that will still count against my score in one year. but according to myfico reports, i have a much smaller number. ??????

Re: My CSC Report

Junejer — Tue, 16 Dec 2008 06:14:05 GMT

myfico doesn't show the softs and only INQs for one year.

Re: My CSC Report

laz98 — Tue, 16 Dec 2008 06:16:46 GMT

i know that, but that's why i need to know what these codes are. because once i eliminate the ones from TC, & the ones that are no longer being counted, there are still a lot more than myfico is counting, & i want to know why.

Re: My CSC Report

Junejer — Tue, 16 Dec 2008 06:29:05 GMT

Okay, okay. AFAICT, I have an ID FICO, which came when I first checked myfico.com here last year 12/12/2007. I also have plain old FICO and ND FICO (one is probably a SW alert) on that same date. I don't have a clue what the heck that's all about. I do know that they are soft. Then I have an ND from a mortgage company in Feb and a CD FICO in Feb (I think that I purchased my scores then, b/c I had a disputed "current status" get corrected.

I wish that I could be more help, but this is not making much sense to me at this time either.

I am going to do some more research.

I would say that the majority of those would be softs, because if they are not showing up on myfico...

Re: My CSC Report

laz98 — Tue, 16 Dec 2008 06:35:13 GMT

you are awesome, byrdman! thanks for digging that out

well, i also found an old CSC report from 2004. it says ND inquiries will only show for one year. i do have one that lists as ND / & that's it! nothing after the slash! LMAO. wonder what that is!

upon closer inspection, it looks like it doesn't matter what CD is, because those are all my TC pulls. *shrug*

& the IDs.........looks like either FICO or report pulls from Equifax itself.

i am now a little worried, though, because it looks like gemb is softing me pretty regularly....hmmm....must be because i haven't used their cards, yet!

thanks again! you are always so helpful.

Re: My CSC Report

Junejer — Tue, 16 Dec 2008 06:36:01 GMT

Okay, you probably already know this part, but O=Open account and 6 is 180+ dpd, not 150 like I stated earlier.

Re: My CSC Report

Junejer — Tue, 16 Dec 2008 06:37:37 GMT

You're welcome. Use that card to by your sweetie a lunch or something and pay it off. Don't want to lose your CL for lack of usage.

Re: My CSC Report

laz98 — Tue, 16 Dec 2008 06:38:24 GMT

CRAP!!! that's not good! both of those O accounts i asked about are charge-offs!!!!!

is that hurting me more?

& how did you find that?

Re: My CSC Report

laz98 — Tue, 16 Dec 2008 06:39:23 GMT

@Junejer wrote:
You're welcome. Use that card to by your sweetie a lunch or something and pay it off. Don't want to lose your CL for lack of usage.

i would love to......but one is a jewelry store card (i can definitely use that....i mean, SHE can definitely use that!) & the other is my carecredit card. so far i have yet to find a provider that isn't going to charge me one bazillion dollars.

Re: My CSC Report

Junejer — Tue, 16 Dec 2008 06:47:07 GMT

laz98 wrote:

CRAP!!! that's not good! both of those O accounts i asked about are charge-offs!!!!!

is that hurting me more?

& how did you find that?

I knew that, but also it's on the back of the CSC reports. I = Installment, R = Revolving and O = Open.

How do you mean is that hurting you more? More than what?

Re: My CSC Report

laz98 — Tue, 16 Dec 2008 06:49:33 GMT

mine has I & R.......looks like they gypped me!

is the fact that these charged-off accounts are showing as open, hurting my score?

Re: My CSC Report

laz98 — Tue, 16 Dec 2008 06:52:38 GMT

i take it back, the O is there, i just can't read, apparently!

okay, so my reports are listing 3 accounts as Open Collection, Open Charge-Off, & Installment Charge-Off....what's worse?

Re: My CSC Report

Junejer — Tue, 16 Dec 2008 06:56:12 GMT

No, not "open" in that sense. Open in the sense of type of account. You should be able to look on the report and see a closed date. It should be under the company name in the first shaded box on the left.

So, its company and under that is the latest reported date, under that is the open date, then the closed date under that.

Re: My CSC Report

Junejer — Tue, 16 Dec 2008 06:59:19 GMT

Charge off is charge off is charge off. If you have a balance on the CO CC, then it may still be counted in your util., so it will hurt your util %.

Re: My CSC Report

laz98 — Tue, 16 Dec 2008 07:00:45 GMT

wow, i guess i don't know as much about understanding credit reports as i thought! whew!

what i do understand is that these 3 crappy accounts are going to be on my reports until 2011

Re: My CSC Report

laz98 — Tue, 16 Dec 2008 07:03:02 GMT

@Junejer wrote:
Charge off is charge off is charge off. If you have a balance on the CO CC, then it may still be counted in your util., so it will hurt your util %.

well, none of them are CCs....one is a verizon wireless account, one is an unsecured loan. & the 3rd is just a CA (midland, of course!) trying to collect for verizon. only midland is showing a balance.

Re: My CSC Report

Junejer — Tue, 16 Dec 2008 07:03:12 GMT

Who are the OCs for these accounts? How much of a balance are we talking about?

Re: My CSC Report

Junejer — Tue, 16 Dec 2008 07:04:19 GMT

I posted the previous post too quickly sorry.