     numnuts20 (Nummy) | Tuesday, March 20, 2001 - 12:03 pm 
score=765
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reason codes:
01-amount owed is to high
24-no recent revolving balances
14-length of time accounts have been established
28-Number of established accounts
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my comments:
01-$2071 owed out of $55,000 available (I never asked for increases was done automatically)
24-recent activity on 4 accounts 2 of which show a current balance (the other 2 within last three months)
14-oldest account=11yrs/2mos
28-16 total 8 closed 8 open (this is what is in report although inaccurate there is 10 closed 6 open to be correct)
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same paragraph; "The fact that you have received such a high score implies that you scored the maximum (or very near the maximum) possible points for many of the aspects that are evaluated by the FICO score. As such, you should not consider the factors discussed later in this analysis to be any serious flaw with your credit history".
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On another note,Christine, still no response as to PIN request or possible fraud alerts.I will keep you informed.If there is
anything to report.
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Thought I would add,The card with the lowest limit and the highest APR (Chase) is the one I use for my personal use:reason being I am paranoid about fraud so I use card with lowest limit and with the high APR I know to only charge what I can pay off monthly!...maybe belongs in moronic&ironic file |
| numnuts20 (Nummy) | Tuesday, March 20, 2001 - 12:55 pm
Beacon is 765 not 675!!I failed to start a new posting(sorry) but my Beacon IS 765 not 675. |
| Christine Baker (Admin) | Tuesday, March 20, 2001 - 01:50 pm
Ooops, maybe I'm getting dyslexic now.
Much appreciate your posting, especially all the details about the factors and your credit.
...maybe belongs in moronic&ironic file
I think you're a little too paranoid, but after all, you DO have very good credit and something to worry about.
If they ever add that fraud alert, you should run your score again and see if it impacts at all.
Please keep us updated! |
| Zachary1 (Drcredit) | Tuesday, March 20, 2001 - 02:10 pm
It's when one lets the guard down, it seems, is the exact moment Murphy's law comes into effect! |
