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@FixMyCredit1992 wrote:Something is SERIOUSLY WRONG HERE...
These are screen shots, all from the same report.
I've had a installment loan for 2 months now...
One reason why Fico says my score is low..
Have you made your first payment on the loan and has the payment reported yet?
The message suggests that no activity on a loan may be the issue, as opposed to no loan.
@lonelyisland wrote:Have you made your first payment on the loan and has the payment reported yet?
The message suggests that no activity on a loan may be the issue, as opposed to no loan.
\I think you got it. Not so much if he had paid yet, but if the CU has REPORTED it paid yet. If it is anything like mine, Alliant, you can pay on day two of the month, but they will only report all accounts on the last day of that month. So there can be a huge delay in reporting.
@lhcole77 wrote:Got a screen shot of it saying your UTL is 19%?
OCCU balance owed is counted towards UTL but the CL is not.
Edit: also, your siggy shows more cards and some diff CLs than what you listed in your thread.
I just calculated that because I was curious.
Without the OCCU card's limit his limits are $3850.
446/3850 is still only 11.6%.
That's really weird.
45 inquiries just on TU...?
@subwaysandwich wrote:45 inquiries just on TU...?
45 inquiries too many. If that's only on his TU report I wonder how many he has all together.
I wonder if CC companies have closed any of his cards, I mean 45, wow....
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@killer_queen229 wrote:
@subwaysandwich wrote:45 inquiries just on TU...?
45 inquiries too many. If that's only on his TU report I wonder how many he has all together.
Maybe 100+ inquiries on all three reports
@subwaysandwich wrote:
@killer_queen229 wrote:
@subwaysandwich wrote:45 inquiries just on TU...?
45 inquiries too many. If that's only on his TU report I wonder how many he has all together.
Maybe 100+ inquiries on all three reports
Most likely but hey I don't know many people who would be celebrating majority of the cards or limits he has.. I'm really not trying to be mean I just don't understand. Credit is not about winning.
@taxi818 wrote:Correction. His siiggy. Maybe he gas had cards a week. Come on op. Everyone at myfico knows you.
Maybe he was busy apping for a Citi Prestige card and CSP and happy that he had a pending status and that he thinks more inquiries will help him build credit. Yeah.........