So you are saying that those duplicate accounts listed are helping my score? Darn, I knew those scores were too good to be true. How far off do you think they are, and does this mean I cant brag about having higher scores than my wife?
fused111 wrote:Not taking a thing away from your accomplishments sir, but a possible situation where CRAs are inaccurately reporting info and it nets 800+ scores. Love it. About d*mn time this happened.
snodog wrote:ThanksBank of america - $7900Citi - $7900Discover - $5500Fleet - $7600My World - $7500My Word - $7500 Yes its on there twiceChase - $11000The my world and the chase are the only active onesThe installments are a student loan which for some reason is listed 3x, and verizon (not sure why this would be considered an installment?) which is listed twice.Hope that helps
Message Edited by snodog on 06-30-2007 04:49 PM
Message Edited by snodog on 06-30-2007 07:56 PM
Message Edited by snodog on 06-30-2007 07:58 PM
Thank you, but it looks like my scores were inflated due to some inaccurate reporting.
Tuscani wrote:
snodog wrote:ThanksBank of america - $7900Citi - $7900Discover - $5500Fleet - $7600My World - $7500My Word - $7500 Yes its on there twiceChase - $11000The my world and the chase are the only active onesThe installments are a student loan which for some reason is listed 3x, and verizon (not sure why this would be considered an installment?) which is listed twice.Hope that helps
Message Edited by snodog on 06-30-2007 04:49 PMThanks for sharing! I am always interested in the details of those who have reached 800 club. You should be proud!
I don't think it would actually change the score - the UTIL is the same with or without it being on there twice. Keep your head up and wear the scores with pride! 
Snodog:
Its quite common to have multiple TLs on SLs. My wife must have six. I am not certain the CRAs are inaccurately reporting info on you your CRs, but if they are that is their fault. No, I would keep bragging to your wife. Just tell her you know the FICO scoring game like the back of your hand.
Partly true, his util is low. However, look at how many positive closed TLs he has, both revolving and installments. This again is proof that closed positive TLs carry a lot more weight than some originally thought.
SoulSmilen wrote:I don't think it would actually change the score - the UTIL is the same with or without it being on there twice. Keep your head up and wear the scores with pride!
@Anonymous wrote:Sure here are the details-Number of accounts -12accounts with balances -1accounts that are negative-0length of credit history-19 yrsNo negative marksdebt limit ratio- 9%7 revolving, 5 installment (I also had an old house mortgage from 1992-95 that for some reason is not showing)0 recent inquiriesMy two active accounts are both revolving and were opened in 1997 and 2006.
Hello. Hi. Can you please repost your score if you pay down to 4%. Thanks. Want to know if you jump another 10 points or so.
Thats going to be difficult since we already pay our cards in full each month. It seems they just go by the statement balance. We typically charge everything we can because we get cash back. I was thinking about asking for higher credit limit's. Doe's the benifit of lower utilization outweigh the effects of a credit pull?
@Anonymous wrote:
@Anonymous wrote:Sure here are the details-Number of accounts -12accounts with balances -1accounts that are negative-0length of credit history-19 yrsNo negative marksdebt limit ratio- 9%7 revolving, 5 installment (I also had an old house mortgage from 1992-95 that for some reason is not showing)0 recent inquiriesMy two active accounts are both revolving and were opened in 1997 and 2006.
Hello. Hi. Can you please repost your score if you pay down to 4%. Thanks. Want to know if you jump another 10 points or so.
In your case no as higher CLs won't do you much good since you PIF anyway. Plus you have 0 Inqs. Since you have 0 Inqs, any new Inq is going to drop your scores as much as an Inq can. IMO, If it ain't broke don't fix it.