Fired up the old computer and took a peek at some older reports. On both EQ and TU my Amount of Debt was listed as Great once I had paid down my car loan to $33 from 24K in a bit over a year. My scores were higher as well even though new accounts opened in the past year on those reports was listed as 14. TU was 731 now 720 with 2 accounts opened in the past year. EQ was 709 now 696 with 14 accounts opened in the past year now only 2 on the latest report. Strangely enough my AAofA was 2 years at that time now listed rounded down at 3 years. All reports 1-2% Utilization. I have opened 2 accounts in the past year one of them is a car loan. I know I need to be patient and wait 11 months for the BK to fall off but it would be rather strange if my TU was only 10-15 points higher May 2010 compared to August 2008 with an AAofA of 4 as opposed to 2 and no BK showing. The Simulator shows a range of 720-740 2 years paid on time for TU. EQ is a bit more friendly showing 756-796. Oldest accounts remain the same nothing dropped in the past year or so nothing will for another 3 years.
Message Edited by smallfry on 05-12-2009 06:08 PM
