I heard the EX, TU, EQ only report 1 time a month. Is this true? I need 9 points and i need it within 14 days. I am adding 2 account that have been in good standing since 2002. The longest account on my record is 12 yrs ago and it was a car loan. I also did the OPT OUT thing and i was also told i get a few points from doing that as well. My utilization is about 1% on credit cards. student loan 10,000 and mortgage 104000. Anyone have any suggestestions for these little 9 points?
I honestly don't think opting-out effects your score one way or the other...
The TLs usually only report 1 per month... so if any TLs are reporting highe r thanyou actually owe right now and if they report with the next 14 days you may get your points. Otherwise - only time might help.
Now a member of the UNOFFICIAL 700 Club - Plus scores of 734-734-747