These are findings on my credit reports using myfico:
Transunion: 639 fico
Discovercard - 1 30 day late in 2006 account has at least five year history
washington mutual - 1 60 day late in 2005 closed account paid in full
Countrywide - 3 30 day late in 2003 paid in full and closed
12 inquiries latest april/2007 for a mortgage
collections - none ( but there is one, paid in full will be removed next year 7 year anniversary))
public records - none
revolving accounts balance 20,584.00
Your mortgages balances 235,884
Accounts 34
Accounts with balances 13
Accounts opened in past year 5 (all are at least 1 yr old)
14 year history
Equifax: 628 fico
Discovercard - 1 30 day late in 2006 account has at least five year history
washington mutual - 1 60 day late in 2005 closed account paid in full
Countrywide - 3 30 day late in 2003 paid in full and closed
Dte energy - 1 60 day late in 2007 paid in full
Dte energy - 1 60 day late in 2007 paid in full ( might be duplicate accounts)
9 inquiries latest april/2007 for a mortgage
collections - 1 same collection mention above
public records - none
revolving accounts balance 20,584.00
Your mortgages balances 235,884
Accounts 39
Accounts with balances 13
Accounts opened in past year 5 (all are at least 1 yr old)
16 year history
Experian: 575 fico
Discovercard - 1 60 day late in 2006 account has at least five year history ( not true only 30 day late)
washington mutual - 1 90 day late in 2005 closed account paid in full ( not true only 60 day late)
Countrywide - 2-60 day late 2002,2-60 day late 2003, 1- 90 day late 2004 (not true, only thing true is
3- 30 day late 2003)
Dte energy - 1 90 day late in 2007 was collection paid in full( not true never in collection)
Dte energy - 1 90 day late in 2007 was collection paid in full ( not true never in collection, might be duplicate account)
Dte energy - 1 90 day late in 2007 paid in full never late
10 inquiries latest april/2007 for a mortgage
collections - 1 same collection mention above
public records - none
revolving accounts balance 19,595
Your mortgages balances 235,771
Accounts 38
Accounts with balances 13
Accounts opened in past year 6 (all are at least 1 yr old)
Your installment loans 1
14 year history
total lines of credit 82,100 give or take a couple hundred
owe the 20,000. uitilization over 7 percent
Why is my score getting hit so hard. what can be done beside paying 90 percent of balances on time. I am currently not late on anything and been paying everything on time every month for years except for the mistake stated above.
It would be nice to get credit increase on cards to show less in utili, however, know one will give me the increase (soft pulls) Really, do not want to go shopping for more credit. Because this increase my inquiries ( hard Pulls)
Capital one does not report total credit lines so I did not include there credit lines just the balance.
Please real answers only. Know bashing of companies, because that will not help situation. ( i like to vent as well)
I would like purchase another house in the next few months but not at the intrest rates that I have seen for my scores
I see Experian has alot of conflicting information. I will attack there report with a venegance.
What else can be done. Hardtimes with the general letters asking to remove the lates as a courtesy
I thank all who will help me in advance
Message Edited by rudy on
09-08-2007 05:17 AMMessage Edited by rudy on
09-08-2007 05:20 AMMessage Edited by rudy on
09-08-2007 05:21 AM
