
JF_CR asked: Hi,
I have a Score of 730 on Experian and 743 on Equifax But nothing on TransUnion. Few Questions :
How do I go about getting rating on Transunion. ?
How can I go about improving my score. ?
On my Credit Summary, I have 0 under all these items for the 3 bureau Experian / Equifax / Transunion:
REAL ESTATE ACCOUNTS:
INSTALLMENT ACCOUNTS:
OTHER ACCOUNTS:
COLLECTION ACCOUNTS:
ACCOUNTS SUMMARY:
Open Accounts: 1 1 0
Closed Accounts: 0 0 0
Public Records: 0 0 0
Inquiries: 5 1 1
On My Account History :
Account Name: WELLS FARGO BANK
Account Number: XXXXXXX
Acct Type: Credit Card - Revolving Terms
Acct Status: Open
Monthly Payment:
Date Open: 1/1/2007
Balance: $0.00
Terms: Revolving
High Balance:
Limit: $4,000.00
Past Due:
Payment Status: Current
Comments: CREDIT CARD
Not much history. What should be my next step to build up fast. Thank you.
I use to be in he 600’s A friend ofmine recently added me on his account. He has a 700-750 credit.
That would explain the jump. But wouldn’t this info show up on my account history ?
also can i ask wells fargo to report my new account to Transunion themselves ?
Could my Fico score be affected by having transunion updating my records ?
I already have 5 inquiries. should i try to get a couple more CC + a target or macy’s card. and keep building using them . ? which card do you advise for my case. ?
how much points could i loose for having 3 more queries in my situation. ?
I live in a roomate situation for which my name is not on the bills. Should i add my name on one or more bills and pays them online ? Any utilities better to be on ? Gas, Cable etc..
Thank you very much for your complement answers.
Ida