~Patrick-J-Reynolds

i cannot express to enough people that i am happy. It was a joint effort and you all helped me be the way that I am

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.

Many people do not know this account exists. In fact I don't think anyone checks these anymore. This is a test to see if anyone is paying attention to it at all

Except for my superior thinker the half azn and my brother of the same name patrick. Who I am almost positive read all of my drivel here even if they don't always say something.

I've had this girlfriend so long. And I have been playing WoW so much, but really I am afraid to post anything about my life here, she talks about how i need to learn to watch what i say because I hurt people's feelings and all this.

It's gotten so that I am wrapped up and holding back. I want to let go of it online but she's into the internet just like me and even WORSE she's nosey as fuck so I guess its all gonna come out soon and feelings are gonna get hurt.

I've wrapped myself around a '04 Jeep Liberty with her which is a 3 year contract. We are supposed to get married this August. She does fine for me but she's throwing fits on a pretty regular basis, once maybe twice every two weeks for different reasons. She is Bi-Polar and does so well on chores and such. I don't want to say goodbye to another woman but I am beginning to need a 3rd perspective. Unbiased and knowledgeable about my own personality past and present.

i know that i have not been clear
i know that i am still misleading
everyday i preach the light and the darkness
you may never see my malice

i don't want to show you. so many things
i fear to share
i am an angel and a monster
its just that i am quite a hold of my ability.

IU am very conscious of my limits and all of my barriers

It might be instinct
A dark sense of the future holding them back from opening that door

I am retribution.
I am an angel of holiness

My standard can be seen every moment and I hide very little in my eyes
and my silence e moves more than any words

What do i really see
How do i really feel
Something i can never speak
Something i can never tell

Sometime before maybe i whispered fragments to my minions between smiles or maybe more gritted teeth

I can feel it seeping into me once more. An old feeling from an old thought that I had forgotten. I did things like I should. It felt right as I came up for air and became one with my love. And I knew the angelic thought that is my lover felt it too. That hum of harmony and the bliss of union. Of my gift to her and my sacrifice.

I can feel the sweet reward. Magic power comes with the price first paid. The power wanes when you forget your sacrament and abandon your rituals, too caught up in the bliss of those gifts given for services paid.

for now. it is here