equifax

[Anonymous]

i just went to zero balances and eq is still the same.  i just simply can't move it except if i use 1000 of my credit line they will move it down. i can't tell how much my 1999 bk hurts me with them.  you can't talk to them.  any advice?

[smallfry]

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@Anonymous wrote:

i just went to zero balances and eq is still the same. i just simply can't move it except if i use 1000 of my credit line they will move it down. i can't tell how much my 1999 bk hurts me with them. you can't talk to them. any advice?

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How many open accounts are reporting? BK from 1999 should not be hurting that much by now. Thin file is my guess.

[Anonymous]

thin file?  i have no installments. I paid off car in  "04.  13 cc  7 open 6 closed.  but closed keep reporting. they

do keep telling me an installment would help me  but why?

thanx for input.

[Anonymous]

How many of the open CC have a balance?

In the mix of credit-FICO likes to see a mortgage-
If no mortgage they like to see 1 open installment account at least 6 months old paid down to 50% of original balance-

Even if this is a signature loan from your bank, auto loan or Student loan. It does not like Consumer finance accts though.

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@Anonymous wrote:

thin file? i have no installments. I paid off car in "04. 13 cc 7 open 6 closed. but closed keep reporting. they

do keep telling me an installment would help me but why?

thanx for input.

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[Anonymous]

i don't owe anything on ccs.  getting ready to retire. car paid. no plans to make any major purchases. i guess im stuck with that equifax score unless i buy a car or house or take out a loan. bummer.