multiple accounts with baddies: still tryin' to u... - myFICO® Forums

score_building · ‎12-09-2008

the only baddies i have are a snoozefest of lates on ONE SL depending on which report the lates are 3 -5 years old.

i refinanced the SL so i have the closed one reporting lates and the opened one reporting lates but they are the SAME account. Is there any way around this hit i am taking for "multiple accounts with derogatory descriptions" which is inaccurately being assessed against score since in reality i have only ONE account with deragotory description which they are counting as "multiple accounts" due to the way they are being reported

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover

haulingthescoreup · ‎12-09-2008

Not sure whether this should be on General Credit or on Rebuilding Your Credit, but I'm going to try GenCred first.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

multiple accounts with baddies: still tryin' to undo some damage that's been done

multiple accounts with baddies: still tryin' to undo some damage that's been done

Re: multiple accounts with baddies: still tryin' to undo some damage that's been done

multiple accounts with baddies: still tryin' to undo some damage that's been done

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multiple accounts with baddies: still tryin' to undo some damage that's been done

Re: multiple accounts with baddies: still tryin' to undo some damage that's been done

Get your FICO Score for free