@Anonymous wrote:
I pay for Experian FICO and can pull my report whenever.
It's not clear what specific product you're using. A FICO 8 (or multiple FICO 8's) is a feature of several different products from Experian. In any case, make sure you're also reviewing your Equifax and TransUnion reports.
@Anonymous wrote:
There's a bunch of those closed accounts reporting potentially negative when it's PAID OFF.
Paid off doesn't mean that it can't be negative. You'll need to see what you can do to remove the negatives. Definitely make use of the Rebuilding subforum.
@Anonymous wrote:
Well I've noticed its reporting 18 accounts (4open - 12closed).
That doesn't add up.
@Anonymous wrote:
I refinanced a few loans a couple times and they are reporting every time (can't I have them taken off if they were the same account- never closed, never late and open for longer then 18 months before refinanced).
If you refinance they're not the same account. When you refinance you're opening a new account and closing the old. Make sure you understand these things and their impacts versus just assuming that these are detrimental. You can't do anything about them at this point. They are reporting properly and whatever impact they have is done.
@Anonymous wrote:
My score are all close to 600 ( They are ranging from 560-575) but I have entirely to many inquiries on my reports. I think that's another thing killing me.
Inquiries are a small factor. However, they can have a bigger impact on those with thin credit profiles and/or profiles with issues. Your credit profile is your problem. Impact of the inquiries is just a symptom. Your derogs have the biggest impact and are holding you back. Focus on addressing them. For FICO scoring keep the standard factors and their relative weights in mind.
http://www.myfico.com/crediteducation/whatsinyourscore.aspx
Your derogs are killing your Payment History. You need to work to get to where you have 100% positive Payment History because of its impact. Do whatever it takes to avoid lates and other derogs in future. Make sure you're budgeting and sticking to it. Don't spend what you don't have. If autopay would be of benefit to you then use it to ensure that you're at least covered for your minimums by their due dates.
@Anonymous wrote:
There's one I have no idea what it is just says Legally paid in full for less then orginal balance. (I can dispute that right).
I'd suggest carefully researching first. It's not always obvious what an account is on a report as it may report a bit differently than what you might expect. It could be fraudulent but you have to determine that.
- Good luck with your other missions and this is an excellent way to overcome the boring gardening time ..it will keep you busy while waiting for the inq to fall off !