Score question

[Anonymous]

Currently I have the following EQ 662 EX 668 TU 600. In a side by side comparison I see two major points of difference that may be causing the low TU, want y'alls opinion how these factors weigh.

1. TU does not show my 2003 BK7, both the others do. TU gladly shows all the bads as IIB but no public record. I assume this could have me in a non-BK bucket. Do I tell them?

2. TU does not have either of my two installment accounts. One is brand new so 99% util, the other is a year and half old with 80% util. Do I tell them? I show no Installment accounts at all with TU.

Other info, my revolving Util was 0% at the time of these scores but will change to about 1-2% when everyone reports at end of month. That is where I intend to keep it because I think ZERO is hurting me a tad.

I can fix both of the oversights by TU, I assume. Question is, do I want to. One and not the other? Whatsya think folks. I trust your opinions because I was in the 500's just a couple months ago when I found you dear souls.

[Anonymous]

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Message Edited by contractor on 04-26-2008 09:29 AM

[granny031350]

You can try but I don't think the TU puts stuff back on once they take it off and it would tank your score for while.  Not sure you want that to happen.  I would the PR issue alone!

[Anonymous]

I was pretty much leaning toward letting the PR lie because the accounts IIB will drop off in less than 2 years and without the PR, it will be a green light. If the BK goes on the record, although it helps now, it will hang for 5 more years. What about the installments though, they have never reported, makes me have no mix as I don't have a mort.

[granny031350]

according to what I have read here, installment loans don't really help your score all that much.  What helps are revolving accounts where Util is kept below 9 percent usage and always paying on time.

[Anonymous]

1. TU does not show my 2003 BK7, both the others do. TU gladly shows all the bads as IIB but no public record. I assume this could have me in a non-BK bucket. Do I tell them?

                    IMO  I wouldn't say chit about the PR!    You can ask this on the BK board they might have a better answer.   

As to the accounts not reporting....1 is new and may take 2 or 3 months to report    the old one you would need to contact the OC   maybe they do not report.

[Anonymous]

HappyDays, do you agree that it is to my benefit to have the two good installment TL's reporting rather than being absent even if one is new? I was under the impression that FICO like to see a variety of credit. Since I don't have a mortgage, the only variety I can have is revolvers and installments.