PDA

View Full Version : Just received my credit report....


gravediggah
10-26-2003, 07:53 AM
If I pay off some of the negative charges would they be deleted from my report or would they still be listed?
brain
10-26-2003, 08:16 AM
They would just be listed as PAID. Unless you were able to negotiate with the creditor IN WRITING that the derogatory marks will be removed once you paid them.
bachviet
10-26-2003, 08:48 AM
Do you get a FICA score??? Anything above 700 is good (A credit).
djradam
10-26-2003, 07:09 PM
Originally posted by bachviet
Do you get a FICA score??? Anything above 700 is good (A credit).

i only had a 680 when i applied for my car loan :( so close!
brain
10-26-2003, 09:03 PM
It's FICO. Not FICA.
WhiskeyPapa
10-27-2003, 06:24 AM
Everything on your credit report stays at least 7 years from date of last activity. If you have unpaid debts, and pay them, they will show up as paid, yet still late.

For example, let's say you have a Citibank Visa you haven't paid for 6 months. When you pay it off, your report will show the account as "Current", yet it will show that at one time you were 180 days late.

So while paying it off will help your credit score, the bad info won't be totally deleted.

I have my most recent credit report in front of me, with a score of 778. I haven't had a single late payment or negative credit mark for more than 13 years.
chadlnc
10-27-2003, 06:35 AM
I got a 753 on my FICO. The only thing holding me back from going higher is my age, "The length of time your accounts have been established is relatively short" :hmm:. Maybe next year it will go a little higher when I turn 25, of course it will also be nice to not have to pay extra charges when renting a car!
brain
10-27-2003, 08:59 AM
Originally posted by chadlnc
I got a 753 on my FICO. The only thing holding me back from going higher is my age, "The length of time your accounts have been established is relatively short" :hmm:. Maybe next year it will go a little higher when I turn 25, of course it will also be nice to not have to pay extra charges when renting a car!

753 is gold. You don't need to get any higher than that.
djradam
10-27-2003, 11:59 AM
what's the highest rating? the guy i bought my car from said that 680 is pretty good for being 22
chadlnc
10-27-2003, 12:05 PM
Originally posted by djradam
what's the highest rating? the guy i bought my car from said that 680 is pretty good for being 22

850
Apex
10-27-2003, 12:27 PM
Scores over 800 tend to be relatively rare.
ray
10-27-2003, 01:25 PM
Originally posted by Apex
Scores over 800 tend to be relatively rare.

From what i've heard, most people with scores over 800 are near retirement age. I wonder if anybody has ever conducted a study to see the age breakdown for FICO scores.
zenbooty
10-27-2003, 01:42 PM
I have an 850 rating.

I also crap gold nuggets out of my butt. :D
brain
10-27-2003, 02:22 PM
My friend's wife has an 814 and she's 36.
Kevster
10-27-2003, 02:25 PM
Thanks to Nickelback and her recent post on the Got|deals? section, I found I had several accounts which were closed but still showing up on my credit report as "current". That was skewing my score (690) because it said I had too many active accounts. I got screwed by Providian 5 years ago (and was part of a class action suit regarding their credit practices) and they're apparently still screwing me now. :angry:

It's a pain in the ass, but I'm cleaning it up one nasty letter at a time.

Edit: I confused Nickelback with Camarobabe - sorry ladies! /me runs & hides
appleseed
10-27-2003, 02:48 PM
so 300 is good, right? :heh:
IrishSS
10-27-2003, 04:20 PM
So... I guess my 797 at age 23 is good then, eh?
Jihforce
10-27-2003, 04:22 PM
Originally posted by lilbigblue


From what i've heard, most people with scores over 800 are near retirement age. I wonder if anybody has ever conducted a study to see the age breakdown for FICO scores.

27yrs old, 818. ;)
revil
10-27-2003, 04:25 PM
how do i get my credit report?
appleseed
10-27-2003, 04:46 PM
Originally posted by revil
how do i get my credit report? revil: here (http://www.gotapex.com/forums/showthread.php?threadid=67292). it says dead for some reason, but it worked for me like an hour ago ;)
Nija
10-27-2003, 05:00 PM
ALright... this isn't cool... I went to check my score out.. and it asked me if I had a mortgage, and which bank it was from and for how much...WTF I don't have a damn mortgage, especially back then. Crap.. I need to call them now...
Cubsfan
10-27-2003, 05:06 PM
Originally posted by Nija
ALright... this isn't cool... I went to check my score out.. and it asked me if I had a mortgage, and which bank it was from and for how much...WTF I don't have a damn mortgage, especially back then. Crap.. I need to call them now...

Make sure to call, but they do ask you questions to verify that you are you. Maybe this was just a test, so to speak.
glagic
10-27-2003, 05:29 PM
wow...i feel special. 768 at almost 20 years of age. granted i have a credit card and havent used it since march, but beats me. *shrugs*
Nija
10-27-2003, 06:09 PM
Originally posted by Cubsfan


Make sure to call, but they do ask you questions to verify that you are you. Maybe this was just a test, so to speak.

Yeah, it said it was a test. I answered both of the questions None of the above. I hit submit, and it said it could not verify me :hmm:

I will be calling them tomorrow, bright and early, and hopefully get this figured out.
GraingerGuy
10-27-2003, 09:55 PM
Hmmm.....I only have a score of 652...

But....I'm pretty sure most of that is because I've only had a credit card for 9 months. :)

Edit: Just kidding....it looks like it's just because I have a balance on my credit card even though I pay it full each month. The simulator says I would have a credit rating of 722 - 762 if I had a balance of zero.....cool. :)
chrissy
10-27-2003, 10:07 PM
Originally posted by Kevster
I got screwed by Providian 5 years ago (and was part of a class action suit regarding their credit practices) and they're apparently still screwing me now. :angry:

It's a pain in the ass, but I'm cleaning it up one nasty letter at a time.



Donnie and I both were involved in that suit also. We have had nothing but issues with them. Even now. I haven't used that card in 3 years, still paying on it (paying mine off with income tax return money!) and can't wait till I don't have to deal with them again!
Nija
10-28-2003, 07:32 AM
I called, and they said that I don't have enough active account to create a score. :shrug: yeah, I don't have a credit card (other than my debit card) any loans, or any mortagages. The guy said it was probably some medical bills that stalled me out (medical = mortgage?) oh well it worked out...
blueindian
10-28-2003, 07:44 AM
Originally posted by Nija
I called, and they said that I don't have enough active account to create a score. :shrug: yeah, I don't have a credit card (other than my debit card) any loans, or any mortagages. The guy said it was probably some medical bills that stalled me out (medical = mortgage?) oh well it worked out...

hey what was the number man? the same thing happened to me, but i accidentally closed the window with the contact number.
Nija
10-28-2003, 07:50 AM
1-877-797-4403

Call Times from:
8am to 3 pm EST
Nanotech9
10-28-2003, 10:38 AM
753 here... with a mortgage, and one credit card. Never late on any of it at age 22 :)