What can that mean? I see it on my Discover app when I check my FICO info (TU).
I'll post screenshots below.
For some clarity, I have 2 CCs, am a revolver so always paid off.
Cheap car lease, always paid on time.
I have 2 student loans from 15 yrs ago, paid as long as I could and now in forbearance (one was a PLUS loan that sadly went into collections but I'm working on remediation and it will hopefully be back in good standing soon. That being said, it's in my mom's name, that was the rules of the loan..I don't think my name is on it, but would that be what's causing the serious delinquency?).
Other than that I was an AU on a relative's CC before I got my own CCs. I'm still an AU, but rarely use it (I send payment to him as soon as I use it for small things). He owes about 10k-15k but its current and in good standing (saw that on my credit report), could that be the serious delinquency??
@ccquest Thanks, do you mean I can pull weekly until January, due to covid, without being charged (or you meant something else)? Still newish to all this, so bear with me
Correct. You can access your credit report from each of the three bureaus through annualcreditreport.com free for now. It does not include scores just the reports themselves.
@RadioRob Thank you!! That definitely gives me hope!
It sounds like this may be what it is..going to continue with the small payments that will hopefully set it back in good standing.
I'm curious how long it takes to fall off my credit report after the last 'remediation payment' is received (or do I have to call and make sure they take it off?).
After that it's a matter trying to figure out how the heck to pay this gargantuan PLUS loan (that ballooned with interest) and not let this happen again
@RadioRob Good to know. I'm going to triple-check then, to make sure they remove history by a certain time-period.
Thanks for explaining (and for offering the tidbit about not being able to get credit scores that way. I only learned that recently, since I'm getting serious about wanting to up my score. My Disco and BOA apps only tell me my FICO 8 TU score. Any other way to check Exp and EQ, on one website, all together?).
The Experian site will let you do a 7 day trial of their top membership and you can pull the 3 bureau report with scores included once in that timeframe.
But then they keep renewing it at no fee after I cancel so I've done it like 3 times so far haha.