Credit report questions?
Posted in Credit on 08/31/2009 09:44 am by admin
Guillermo T asked:
I just wanted to see if anyone can help me with some things on my report, and also throw some useful advice my way. I have had a membership with Experian so i try to stay on top of my report and i knwo thats the first step, but maybe i can get help with what certain things mean and if they help or hurt my score.
My “percentage of credit available” is 60.53%. (is that good, whats a good percentage and what does it mean).
I have 10 “Satisfactory accounts”
I have 0 “Now delinquent/derogatory accounts”
I have 3 “Was delinquent/derogatory accounts”
I have 0 “Public records”
I have 6 “number of inquiries”
$1559 in “revolving debt”
$1081 in “installment debt”
$0 in “other debt” & collection debt”
$0 in “real estate debt”
I just wanted to see if anyone can help me with some things on my report, and also throw some useful advice my way. I have had a membership with Experian so i try to stay on top of my report and i knwo thats the first step, but maybe i can get help with what certain things mean and if they help or hurt my score.
My “percentage of credit available” is 60.53%. (is that good, whats a good percentage and what does it mean).
I have 10 “Satisfactory accounts”
I have 0 “Now delinquent/derogatory accounts”
I have 3 “Was delinquent/derogatory accounts”
I have 0 “Public records”
I have 6 “number of inquiries”
$1559 in “revolving debt”
$1081 in “installment debt”
$0 in “other debt” & collection debt”
$0 in “real estate debt”
Can i have a an explanation of these things, are they good, would i change some, add to them or take away from them.
PS-Do Online credit accounts, like PayPal and Bill Me Later report and reflect on your credit report like a Card, can they hurt my score.
My Credit “Plus” credit score is 639
My FICO score is 539
LUTHER