topic EQ issue with TC in General Credit Topics

EQ issue with TC

Anonymous — Sun, 06 Jan 2008 23:55:00 GMT

There are too many late payments on your credit report. [Equifax] Payment history is a significant factor in the credit scoring process. Regular on time payments make you appear more creditworthy to potential lenders. On the other hand, late payments indicate that you may be in financial distress. If you have trouble remembering to make payments, consider signing up for an online bill payment service that will make it easier to pay on time. That's what EQ says to say about my CR from TC, see the thing is that i have 0 late payments but it seems that EQ just doesnt get updated if i paid or not it just shows White squares for each month White= Unknown, all the others are green which has me puzzeled is this just an issue with TrueCredit?

Legend:

Message Edited by bman69 on 01-06-2008 05:55 PM

Re: EQ issue with TC

Anonymous — Mon, 07 Jan 2008 00:01:19 GMT

IMO- Ignore the advice and scores from TC

IF you want to keep your sanity-

Look at the positive and negative factors from your myFICO pulls.

Re: EQ issue with TC

Anonymous — Mon, 07 Jan 2008 00:08:33 GMT

yeah i guess, i'll pull a fico soon after the TC shows my new cards and limits, going from $1200 to $10100 in a month for me a big leap i'm very curious how this is going to hurt me

Re: EQ issue with TC

Anonymous — Mon, 07 Jan 2008 00:14:34 GMT

Too many factors to tell you for sure it will hurt you-

I am pretty confident your score will recover in less than 3 months if you keep the utl down and do not have too many accounts with balances.

bman69 wrote:
yeah i guess, i'll pull a fico soon after the TC shows my new cards and limits, going from $1200 to $10100 in a month for me a big leap i'm very curious how this is going to hurt me

Re: EQ issue with TC

Anonymous — Mon, 07 Jan 2008 00:19:41 GMT

thanks for the advice and i sure hope my scores stay above 700 as in 2 months i'm going to be buying a car $12k i'm hoping i can get a decent APR but only time will tell

Re: EQ issue with TC

haulingthescoreup — Mon, 07 Jan 2008 00:44:44 GMT

--as Timothy said

BTW, TC shows white squares for EQ (x's on the printable version.) As long as you have a current-ish date for "Reported", you're OK.

It's just a TC thing.

Re: EQ issue with TC

Anonymous — Mon, 07 Jan 2008 06:04:37 GMT

the good thing about my fico is you can call them and actually have a conversation about scores. Get rid of true credit and pull my ficos.

They will also help you write dispute letters.

Message Edited by casinoannie97 on 01-06-2008 10:04 PM