i have 1 mortgage account open. it’s 7 years old, with the most recent negative being over 90 in feb. of 2010. I have one open auto loan that started in July. perfect payment history. I have 1 open credit card, 6 years old, perfect payment history, balance is currently 60% of limit, but will be paid off for the update at the beginning of sept.
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my report shows 3 closed auto loans with perfect history. Most recently closed one was may 2010. i also have a closed amex account from 1993 with perfect history.
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I have 1 judgement showing up posted in July of 08 and paid in full since april of 09. There is 1 AFNI account showing as not paid. (currently trying to get them to take a pfd). the afni account is from aug. 07. There are also 4 medical collections accounts. all are under $100. Two of the medicals are from 2007, one from 09, and the other just showed up about 2 months ago. there are also about 3 credit cards showing as charge offs from 2007.Â
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I am being added as an authorized user on 2 credit cards now. cards are in the mail. both have a limit of around 2500 and no balance.
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current equifax is 536. was 505 about 3 months ago.