Credit report and possible mistakes?

Answers:2   |   LastUpdateAt:2012-10-03 03:24:03  

Asked at 2012-09-22 17:09:02
I have my report and everything seemed fine. What I do not understand is two things in my sectiuon adverse . This is a car loan is paid off and it is still in there b / ca few missed payments ( on behalf of the singees join . ") The other is a college loan that I consolidated the same 01 . All my others say closed or paid , so I'm confused as to why I'm not a great candidate for this loan you want and I keep getting overlooked ... I know nobody can tell me specifically , but I have curiosity for those things "adverse "
Answer1NoaAnswered at 2012-09-25 22:13:04
Great question! The credit report is made up of several things to judge whether someone is a good risk. MedlinePlus MedlinePlus 35% of a report on past debt, or account history. That's less than half! MedlinePlus MedlinePlus 30% is amounts due or how much debt you already have. MedlinePlus MedlinePlus 15% Length of credit history in order to find the time your accounts have been open. MedlinePlus MedlinePlus 10% is the new credit or you are doing business with now? MedlinePlus MedlinePlus 10% Types of Credit Used This is where we see if its Revolving debt is in proper relation to installment debt. MedlinePlus MedlinePlus Once you look at all the factors together can achieve a result. MedlinePlus MedlinePlus If you want to increase your score quickly you will probably have to look somewhere other than payment history. It has less of a chance to correct this in a short period of time. Take the past 24 months in which computer activity in the average credit record. MedlinePlus MedlinePlus Look instead at their amounts due section. Are there debts that can be either paid or transferred to another type of debt? MedlinePlus This takes you to types of debt. If you have no debt in installments, you can move Revolving debt here? MedlinePlus MedlinePlus Another thing to do when it comes to qualifying debt is easy. Go to There you can unsubscribe pre screened credit offers. These are the companies that offers accounts from never asked. Do this and you can usually wait until a ceiling of 20% in the score. Also removed tons of mailing lists that flood your mailbox. MedlinePlus NICE MedlinePlus I have written a book "When bad credit happens to good people" in it you will find many other great tips to raise and maintain a high credit file. MedlinePlus MedlinePlus Incidentally, NEVER challenge an accurate credit score. It's called FRAUD, and once it is proven to be accurate it can really damage your. Your credit file will be marked with a fraudulent activity. That's hard to beat the best and at worst can be charged with a crime. MedlinePlus MedlinePlus Think of it like this, if you lent me money later told me that he did not intend to avoid paying you. Pay your debts do not try to wriggle out of them, no matter how long ago they were. MedlinePlus MedlinePlus Good luck,
MedlinePlus Wayne Altman
Answer2KirAnswered at 2012-10-03 03:23:18
The car loan paid to display , but also show what lates had. The student loan should show transferred and paid - to dispute with the credit bureau that is reporting .
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