I have often wondered what kind of credit profile / report is cheaper (provided that neither has a derogatories) seen .
1. One trade lines with high and low utilization
2. A smaller trade lines and little utilization
I feel like plus and minus to have. It seems the higher could make trade lines insurers are not willing to extend more loans, in spite of low utilization. Then again it seems like small trade lines may get lower credit lines.
So is the best?
Thanks so much
Posts Tagged ‘tradelines’
Which type of credit profile is better? [credit profile report] [tradelines]
Posted by admin on October 13th, 2011
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GOOD SCORES-THIN FILE [tradelines] [credit unions]
Posted by admin on September 27th, 2011
TU697 EQ 709 EX thought 713
I, they were until this week that he loan
and for a car to be used in two local credit unions refused because his file: Thanks to all of you at CB, we have improved our results and
deleting baddies
My DH Fico are now too large thin.
He has only 2 previous open trade lines reporting, our mortgage (City Mortgage) (12 months) and secured a
500.00 City Card (6 months) The other trade lines are now closed, but in good standing.
Fortunatel
Credit Reporting blues [chase mastercard] [tradelines]
Posted by admin on September 22nd, 2011
Hello all
I a Chase Master Card (w / PG) and Advanta Master Card (w / PG)
Do they report automatically u0026 D B or Experian, if not how can I get them to carry it?
How I build my file w / o paying $ 400
I have 2 trade lines on Experian. I ordered the report and it says it was established in 5.10, so I do not count who accept these cards. My score was a lousy do 47.
I more great cc w / o PG.
receive
Should IIB be reported as a negative TL? [tradelines] [charge offs]
Posted by admin on September 13th, 2011
All accounts included in bankruptcy show a 0$ or "no information" balance on the three reports. They also all say IIB or "IIB/charge off/collection" I had no charge offs or late payments before or after bankruptcy.
1. Should I challange the unclear reporting that confuses IIB with other negative descriptions?
2. Are IIBs automatically negative tradelines?
1099C After BBB & ACA Complaints: Deleted.now this? [tradelines] [1099c form]
Posted by admin on August 23rd, 2011
Hello everyone, have a dilemma is
I. I put my taxes in early January 2006 and recently received 1099C form of a collection agency (CA) that I had multiple FDCPA and FCRA violations. The acquired this alleged debt is invalid and wrong by another JDB and after several complaints with ACA, the BBB, the FTC and DV 5 or more letters, they agreed to delete all trade lines and close the account in their records in about April 2005.
Now , fast forward to February 2006. I have just said a 1099
Pay the OC, or fight the CA [21st century insurance] [tradelines]
Posted by admin on July 30th, 2011
I have 3 trade lines for the collection accounts. All three are past SOL law. I want them gone. I am quite prepared to pay in full to the OC . or the CA gets when he deleted.
Would contact with the OC and precautions they leave from the CA call? Or would remain the TL? Or would the CA no longer be used by the OC, and must remove the TL?
Would I have more luck in the fight against the CAs “and try for the deletion?
OC are Cox's cable and 21st Century Insurance (2 tsp of them
Sick of this Freakin Crap!!! [stupid crap] [tradelines]
Posted by admin on July 12th, 2011
I am SOOOOO frustrated !!!! How can I rebuild credit if I can't get approved for anything???? With the exception of Experian, my CRs have been updated to reflect the accounts IIB as zero balance. So I figure now all I have to do is get positive tradelines and let them age to rebuild my credit score. But NO, I can't because I can't get approved for credit, not even stupid Crap One, which I hate but will take in order to rebuild. All I have is my $300 limit Bes
Can I Get A Mortgage? [tradelines] [bk7]
Posted by admin on July 8th, 2011
Here is my situation:
I want to buy a house worth $ 125K. I make 28k a year was in 2005, now used 35k in 2006. I'm 2 weeks from discharge of a BK7. I have 2 rogues on my CR. 4 Item trade lines and loans for students, the deferred because I'm still in school. What type of mortgage I could get and how I go through a broker, if I may?
American Agencies has ruined my master plan. help! [tradelines] [baddie]
Posted by admin on June 9th, 2011
Well, thanks to months of reading CB I've added new tradelines, opted out and just did my first address dispute with TU that was linked to an old baddie from 2000 that was sold by PacBell to American Agencies.
My master plan was to simply let the baddie sit on my reports until January 2007 and then dispute with the CRA's as obsolete. (I've read through all the American Agencies threads and decided that since they seem to be one of the hardest to shake that waiting was the bes
Merrick Bank has duplicate TLs on my EQ [merrick bank] [tradelines]
Posted by admin on April 19th, 2011
I disputed Merrick Bank's 2 trade lines on my EQ, both exactly the same information (an unpaid CO) reflect different apart from DOLA. Both came back verified!
What I do to at least one of these to get away? And of course, both would get off first. I've managed to do it a few years Agos with Wachovia, but I can not remember what I did. lol
