Bettering your credit.
Thread Starter
BAZINGA!
Joined: Aug 2004
Posts: 21,613
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From: San Diego, CA
I used to be in the 740's...
AARONNOJIMA.COM
Joined: Aug 2000
Posts: 8,559
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From: Elk Grove, Ca AOL/AI
credit score is higher as your ratio of $$$ owed to $$$ of available credit.
ex 1... owe 5 g's on 25 g's of credit = .2 ratio
ex 2... owe 3 g's on 9 g's of credit = .33 ratio
if everything was the same, example 1 would have better credit
ex 1... owe 5 g's on 25 g's of credit = .2 ratio
ex 2... owe 3 g's on 9 g's of credit = .33 ratio
if everything was the same, example 1 would have better credit
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"Dreaming is how the strong survive....."
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"Am I dying to live, or living to die?"
AARONNOJIMA.COM
Joined: Aug 2000
Posts: 8,559
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From: Elk Grove, Ca AOL/AI
745 now, it was higher just took on some stuff on my credit debt and i made the dumb mistake of closing a account early in the year before i knew how it would affect my score.
ohhh well its not gonna get worse and it's still decent i think :happysad:
ohhh well its not gonna get worse and it's still decent i think :happysad:
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"Dreaming is how the strong survive....."
"Am I dying to live, or living to die?"
"Dreaming is how the strong survive....."
"Am I dying to live, or living to die?"
Joined: Oct 2000
Posts: 44,908
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From: Location Location
it could be that it's a different reporting agency, the three agencies vary greatly. when i went to lease the audi I knew my score was above 800 but experian reported at 785.
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scrotal surge
Joined: Oct 2005
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From: Cali
If you have ANYTHING 7 years-old or older, showing negative information posting on your credit report (delinquencies etc.) I'll give you a doc. of the proper letterhead to use, when you dispute the findings to the 3 Credit Bureaus. I made mistakes when I was younger. After 7 years, they HAVE to remove all negative info. The 7 year mark is from the date of the last day of correspondence. Hence, if you know they're calling and you want the info to fall off, don't acknowledge them in any way, or the 7 year cycle starts over again.