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Member Since: January 2012
Thanks, that made sense to me too. But what I can't understand is why the credit scoring says lots of accounts are a positive thing of this is how people view it. The more open accounts, the lower the ratio usage, the better the score.
The other issue that comes up is "limited credit history." If I've had an account for 2-7 years and paid it faithfully, this is considered "limited credit history." We'll how does anyone in their 20s do anything when they haven't had credit most of their life?
One day I'd like to be completely debt free and it's going to take time to get there. The only thing I don't think we'd ever be able to pay total cash for one day is a house....which requires a FICO score...
skatardrummer's reply was:
Just so no one thinks I'm heartless, him losing his job was NOT the reason we separated finances. But rereading it, it sounded like that. He just committed to the financial change a month ago and is getting caught up on his bills. No more behind in rent or utilities already. Yay!
skatardrummer's response was:
by "closed my account," I mean they completely deleted it out of the system, so I couldnt look at any previous bills or payments on their website. I had to get all my copies of records together, which was difficult because my husband whom I was separated from had half of them. I had to get all his payment history.
Help! I had a DTE bill that was put on my credit report as "delinquent" with a balance last year even though it was paid. They closed my account out so it took me time to get all of the evidence that it was paid. I finally got DTE to get me to the right person, and they agreed I was right, everything had been paid, never went to collection, wasn't delinquent, and never should have been on my report. I worked with Equifax/transunion and DTE and they got it off my report more than 30 days ago. I repulled my report and verified it wasn't on there anymore. all my scores went up. I had my credit union pull my actualy FICO that lenders use, and guess what? Still shows serious delinquency. HOW do I get this gone? As far as I know, I've already done all the right things. If it's not showing on my credit report, why would it be reflected in my FICO?
It's very difficult to find information now. Have to go through a bunch of sub pages to get to my linked accounts.