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.
Where do I look for those, Daisy Jane? In the "Comments" for each account or somewhere else?
On the ones I see it's listed on the first page under bureau score information.
I'll tell y'all what. If anybody wants. I'll gather all the information I have on credit and credit scoring and do a little lesson to email to anyone what wants it.
Hm, I don't see anything there, but I'm looking at a printout of my on-line report, so maybe that's different?
Oh, wait, right under the FICO score? That's where I have
- The time since your most recent past due payment is too recent or unknown
- The time since your most recent account opening is very recent
- The length of time your accounts have been established is relatively short.
- There is evidence of multiple accounts with missing payments or having derogatory indicators/remarks reported.
All of which I understand ex ept the last one. I think.
I'd be more than happy to get any additional info you care to tell me. Profile address is good. It's very sweet of you to offer!
Yep. That's it. The reports I look at have codes added.
Sure. I have lots and lots of that stuff, so I'll pull it all together into something useful. In the meantime if you have any questions, my profile is open too.
We're in that mode, too, Daisy, so I'd love to have a copy of your lesson!
Late Saturday ok for y'all? I mean if I have it to you by then?
Saturday would be more than wonderful.
