You know what, though? I don't know about anyone else's credit report, but mine never lists my late payments, which I'm sure I've made. I think your credit report gets into that stuff when it starts getting serious.

Yeah, it does list 30 days or more, how many of those you have, the date of the last payment, as well as different codes they can flag it with. I've rarely seen one without at least one flag.

Oh, dear God, Kathy. The drifting apart and then re-clasping? DED FROM TEH CUTE.

Ok. Now I want floating, hand holding otters too. My husband's going to kill you guys when he gets home.

I want to be an otter. Lie on my back, float around, hold hands with my sweetie, propel myself around with my tail - divine.

Otters are so cute! Make sure you watch until the end!

Timelies all!

Adding to the awww about the otters.Cute!

Woot! Just attended a staff meeting that was composed of almost 100% irrelevant info for me except the very end, when the firm's president informed us we would be getting notification of our upcoming raises by week's end. So, depending on how generous they are bosses may be bailing my ass out of the fire that OPEC has been setting under it.

Y'all's credit report discussion inspired me to go get my free copies, since I haven't done that in a while. I got as far as the first one - Equifax. I can't figure out how the score has anything to do with the report, even with their explanation. Is this the sort of thing one goes to a credit counselor for?

For example, my credit rating is "poor" because, among other things "There is evidence of multiple accounts with missing payments or having derogatory indicators/remarks reported". The only missing payments I can find are deferred payments from August 05, and I can't find any derogatory remarks unless "affected by natural disaster" is derogatory.

Everything else is just a matter of time passing to fix (accounts not being established for very long - damn you Target, offering me a discount to take your credit!)

And by the time I managed to get the credit report to print, my session with annualcreditreport.com had expired. I really don't feel like trying twice more, expecially if I'm just going to end up saying "huh?" when I get the info.

Woo-hoo, hope the raise is large, Matt!

derogatory indicators/remarks reported

Those are the flags I mentioned. Hang on and let me see if I can dig a few up.

Ok, a couple I see are having a serious delinquency (39), amount owed on delinquent Accounts (13) number of accounts with delinquencies (18) delinquency is too recent or unknown, and of course the ever present * Number of inquiries adversely affected the score.