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Started By
Message
Credit Score Fix
Posted on 4/11/11 at 7:49 am
Posted on 4/11/11 at 7:49 am
Mine is at 759. Issues are:
- Level of Delinquency On Accounts (this must be medical bills, I don't pay those right away waiting for insurance to do all it can do. I'm never late on bills, mortgage, etc.)
- time since most recent account opening is too short? anyone know this one? I just opened 2 extra accounts to start putting some $$ away.
- Proportion of balances to credit limits is too high on bank revolving or other revolving accounts? Anyone know what this means?
- Amount of owed on revolving accout is too high? does this mean the amount i owe on credit card is too high?
First anyone know what exactly some of those issues are?
Second, how can I work on those without having to pay a company to do it if that is possible?
- Level of Delinquency On Accounts (this must be medical bills, I don't pay those right away waiting for insurance to do all it can do. I'm never late on bills, mortgage, etc.)
- time since most recent account opening is too short? anyone know this one? I just opened 2 extra accounts to start putting some $$ away.
- Proportion of balances to credit limits is too high on bank revolving or other revolving accounts? Anyone know what this means?
- Amount of owed on revolving accout is too high? does this mean the amount i owe on credit card is too high?
First anyone know what exactly some of those issues are?
Second, how can I work on those without having to pay a company to do it if that is possible?
4
Posted on 4/11/11 at 8:04 am to LSUTigerz
(no message)
This post was edited on 4/11/11 at 8:07 am
Posted on 4/11/11 at 8:05 am to LSUTigerz
quote:
Mine is at 759
Your score is better than 69% of the population, congrats!
quote:
- Level of Delinquency On Accounts (this must be medical bills, I don't pay those right away waiting for insurance to do all it can do. I'm never late on bills, mortgage, etc.)
Insurance is done paying by the time it hits your credit report. You have other issues
quote:
time since most recent account opening is too short? anyone know this one? I just opened 2 extra accounts to start putting some $$ away.
This means a credit account. Not sure how an extra credit card will help you put money away
quote:
- Proportion of balances to credit limits is too high on bank revolving or other revolving accounts? Anyone know what this means?
It means exactly what it says
Based on what you say here and my time working for one of the bureaus, I would say your score is bullshite and you made it up with this combination of reasons. Care to specify which bureau?
Posted on 4/11/11 at 8:09 am to LSUTigerz
I'm not a credit score expert.
759 is a really good score. To maintain a high credit score pay your bills on time.
I'd contact the insurance company about those medical bills to see IF they will pay it. Don't depend on them to do the right thing and timely.
Reduce the amount of debt that you carry to improve your used credit limit ratio.
759 is a really good score. To maintain a high credit score pay your bills on time.
I'd contact the insurance company about those medical bills to see IF they will pay it. Don't depend on them to do the right thing and timely.
Reduce the amount of debt that you carry to improve your used credit limit ratio.
Posted on 4/11/11 at 8:13 am to LSUTigerz
759 ?? nothing in this op makes any sense.
Posted on 4/11/11 at 8:25 am to rtbtiger
Why would you think I'm making it up or does not make sense? I just got scores from bank as I am waiting on final approval for a Home Equity Line of Credit. That's the score I have and I know its pretty good overall but was just trying to get it as high as I can. So didn't know what some of those causes were for it not being higher. Also did not know how to go about fixing the issues, do you call the credit agency or how do you get more specifics on what those issues are and what companies they are with? I don't want to pay a credit agency to look into things I can do myself if possible.
Posted on 4/11/11 at 8:36 am to LSUTigerz
What bureau? You can go to their website and look at the actual credit report and see what is wrong. Fixing the issues are easy. They said your open accounts are too recent, sit and wait. They said your accounts are deliquent, pay them current. They said your balances are too high, pay them down. There is no "fix" other than correcting the items they are reporting to you. That is the purpose of the reasons.
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