Credit Score and Analysis
Journal Entry: Sun Apr 13, 2008, 6:37 PM
- Mood:
Love - Playing: With myself
- Drinking: Distilled water
Credit Score and Analysis
YOUR CREDIT SCORES
723 641 651
WHERE YOU RANK
TransUnion Experian Equifax
You are here (723) You are here (641) You are here (651)
Based on your credit report data, this is a numerical depiction of your creditworthiness. Higher scores are better.
HOW YOU COMPARE
TransUnion Experian Equifax
You are here You are here You are here
(Higher than 69% of others) (Higher than 45% of others) (Higher than 48% of others)
Compared to the rest of the nation, this is how your credit score ranks. High percentages are better.
HOW LENDERS VIEW YOU
TransUnion Experian Equifax
Based on your credit score, this is how you may be viewed from a lender's perspective
Background
Your credit score is created using a mathematical formula that measures data from your credit report. Credit scores evaluate your payment behavior, debt levels and credit history. Factors like income, race and gender are not measured in the scoring process. Credit scoring systems are used by lenders, insurers, landlords, employers and utility companies to evaluate your credit behavior. Having a high credit score will help you receive the best rates on new credit and loans.
Explanation
There are several factors taken into account that help determine your credit score. The factors making the largest impact are listed below. Remember that these factors vary in how strongly they impact your credit score. For example, if you have a very high credit score, the negative factors in your analysis are likely to have a small impact. For very low credit scores, the opposite is true in that negative factors have a very large impact on your credit.
PATRICK here's where you can improve.
There is not enough available credit on your bankcard accounts. [TransUnion] Having credit available to you is a sign that you are able to manage your finances responsibly. Lenders like to see that consumers have a large amount of credit available to them, but not so much that they could spend more than they could afford to pay back. If you currently have multiple accounts open with high balances, try reducing your balances below 35 percent of your limits to improve your score. If you do not have many open accounts, consider opening a new credit account or asking your creditors to increase your limits in order to improve your credit score.
There are too many recent collection inquiries on your credit report. [TransUnion] Negative records such as collection accounts, charge-offs, judgments and bankruptcies can cause substantial damage to your credit score. These records will remain on your credit report for 7-10 years, whether or not you have paid the debt. You can help your credit recover from these derogatory records by paying your bills on time, reducing your debts and using credit responsibly.
Your revolving bank accounts have not been open very long on average. [TransUnion] Time is one of the most important factors for a healthy credit score. The longer your accounts have been opened, the better they are perceived by lenders. Opening new accounts can cause your credit to appear unstable, because a record of responsible use has not yet been established for the account. Your credit score will improve as you keep your new accounts open, active and paid on-time.
Not enough revolving debt experience. [Experian] A healthy balance of credit and loan accounts is key to achieving a high credit score. It is important to build a record of responsible credit use over time with different types of accounts. Consider opening a new account to strengthen your credit report and improve your score.
Your oldest bankcard has not been open long enough. [Experian] Time is one of the most important factors for a healthy credit score. The longer your accounts have been opened, the better they are perceived by lenders. Opening new accounts can cause your credit to appear unstable, because a record of responsible use has not yet been established for the account. Your credit score will improve as you keep your new accounts open, active and paid on-time.
There was recently a late payment posted on your credit report. [Experian] Payment history is a significant factor in the credit scoring process. Regular on time payments make you appear more creditworthy to potential lenders. On the other hand, late payments indicate that you may be in financial distress. If you have trouble remembering to make payments, consider signing up for an online bill payment service that will make it easier to pay on time.
There are too many derogatory accounts or public records on your credit report. [Equifax] Negative records such as collection accounts, charge-offs, judgments and bankruptcies can cause substantial damage to your credit score. These records will remain on your credit report for 7-10 years, whether or not you have paid the debt. You can help your credit recover from these derogatory records by paying your bills on time, reducing your debts and using credit responsibly.
There are too many late payments on your credit report. [Equifax] Payment history is a significant factor in the credit scoring process. Regular on time payments make you appear more creditworthy to potential lenders. On the other hand, late payments indicate that you may be in financial distress. If you have trouble remembering to make payments, consider signing up for an online bill payment service that will make it easier to pay on time.
There is not enough available credit on your bankcard accounts. [Equifax] Having credit available to you is a sign that you are able to manage your finances responsibly. Lenders like to see that consumers have a large amount of credit available to them, but not so much that they could spend more than they could afford to pay back. If you currently have multiple accounts open with high balances, try reducing your balances below 35 percent of your limits to improve your score. If you do not have many open accounts, consider opening a new credit account or asking your creditors to increase your limits in order to improve your credit score.
Devious Comments
--
-i don't think it will ever die-
By my confession
Unless you don’t give a good goddamn about redemption
I know
Christ is coming
And so am I
You would too if the sexy devil caught your eye
She’ll suck you dry
Soon you’ll cry
To be back in her bosom
To do it again
She’ll make you weep
And moan and cry
To be back in her bosom
To do it again
Pray – shall I go blind?
Pray – cos nobody ever survives
Praying to stay in your arms
Just until I can die a little longer
Saviors and saints
Devils and demons alike
She’ll eat you alive
Jesus is risen
It's no surprise
Even he would
Martyr his momma
To ride to hell between those thighs
The pressure is building
At the base of my spine
If I gotta sin to see her again
Then I'm gonna lie and lie and lie
She'll make you cry
I'll sell my soul
To be back in your bosom
And gladly help
Please suck me dry
And still you'll cry
To be back in her bosom
Do it again
Pray – shall I go blind?
Pray – cos nobody ever survives
Praying to stay in your arms
Just until I can die a little longer
Saviors and saints
Devils and demons alike
She’ll eat you alive
My pulse has been rising
My temples are burning
The pressure is so overwhelming and building
So steady and heavy
I'm ready to blow
She waits, what is she waiting for?
Pray – shall I go blind?
Pray – cos nobody ever survives
Praying to stay in your arms
Just until I can die a little longer
Saviors and saints
Devils and demons alike
She’ll eat you alive
Revelation 22:20--In the midst of the street of it, and on either side of the river, [was there] the tree of life, which bare twelve [manner of] fruits, [and] yielded her fruit every month: and the leaves of the tree [were] for the healing of the nations.
--
-i don't think it will ever die-
--
know yourself.
vibrations of those ascended shalt ascend you far better than that of your own mental connection via translation of the channels made available so readily by the example from the mother.
--
-i don't think it will ever die-
I am going to recommend a book series to you (you may aready have read ) that I recommend to everyone that seems to be searching.
"
The teachings of don juan: A yaqui way of knowledge.
By Carlos Cansteneda
There is alot of books out by him. Definetly worth reading.
--
know yourself.
Designs & Interfaces > Tattoo Design
--
-i don't think it will ever die-
Your gallery looks promising. Not alot of time right now, but I'll give it a proper look through shortly.
--
“Hey, sombody tickle me! I wanna make this stuff come out my nose.”
--
-i don't think it will ever die-
--
-i don't think it will ever die-
--
--
-i don't think it will ever die-
--
-i don't think it will ever die-
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