28 responses

  1. LaTishua Jones
    July 21, 2012

    I recently checked my Equifax credit report and discovered that my mortagage of 19 years is not reported.. I contacted my mortagage company and was informed that they choose not to report to credit reporting agency to protect consumer information. My question is how does this affect my FICO credit score, does it hurt my score? It’s 23 pts shy of 700 range. Thanks!

    • URFinanceSimple
      July 21, 2012

      I think it hurts you because you have 19 years of timely payments not being reported. Ask them to report it.

  2. Wesley Dancer
    February 13, 2012

    I was looking around and stumble on this. Kind of love the threads starting to build up. So, I wonder what’s on this blog. Such a nice piece. There’s a lot of great bits I was able to get and apply from this blog. keep it up!

  3. Darius D. Rickard
    December 10, 2011

    Nice blog. Debtors would definitely love to read this because they could learn something from this. And for sure, this could help them on their credit issue.

    • YFS
      December 11, 2011

      Thanks! Feel free to share this post with anyone you feel that would benefit from it. Are there any tips you would add?

  4. eunelfa regie
    October 14, 2011

    I actually looking for sites that gives tips and sharing their knowledge to the readers, viewers and followers. They are helping. Thus, improving my credit score is hard to accoplish but because of this post, it increases.

  5. Asraful Kabir
    October 13, 2011

    From this article I got more information like Quantity of open credit accounts, payment record and so others that are really helpful for the newbies like me.Credit Scores are such a black hole system, you never know what is going on. This post helps clarify a lot of things, somethings however,like not having many accounts, is simply not possible to follow for me.Paying your bill on time is ideal to maintaining good credit.

  6. Buck Inspire
    October 13, 2011

    Nice to learn more about the credit black box! I always pay my bill on time and don't carry balances on my credit cards. Didn't know the optimal number of credit accounts is 4 to 6. Thanks for the knowledge!

    • YFS
      October 13, 2011

      Thank you for the comment. Paying your bill on time is ideal to maintaining good credit.

  7. Junie Rel Megrino
    October 12, 2011

    This is very helpful information to know about credit card sores for the newbies and also to know about types of credit card. I would like to read more article on you.

  8. toyabur rahamn
    October 11, 2011

    I got more information like Quantity of open credit accounts but I think that majority of ordinary people start looking for help with their credit score when they lost lots of credits.In your post, Pie chart show your payment history that would be helpful for investor percentage of our payment history.

    anyway thanks for your post.

  9. Miss T @ Prairie Eco
    October 11, 2011

    When I had credit issues I got myself a secured credit card. It helped me prove that I could be responsible with credit. It really didn't take long to get offers from other companies which was great. I also made sure to use 30% or less of the credit I was given. Companies don't like it when you use all of your credit all of the time.

    • YFS
      October 11, 2011

      Very smart on getting the secured credit card. How long did it take you to get offers for unsecured credit cards?

  10. imranishfaq
    October 11, 2011

    Pie chart show your payment history.easily we can see percentage of our payment history. It’s very important to note these are all for Fico scores, Late payment decrease you scroor. Fico scores are like the same scores a potential lender sees.Do you actually have to request a loan for it to happen?

  11. ambergori
    October 11, 2011

    Nice about credit score i am really inspire about your about, I got more information like Quantity of open credit accounts,

    I always found the credit scoring process incredibly confusing, i am really very impress about this post.

    Thanks for sharing….

  12. thaycraft
    October 11, 2011

    I always found the credit scoring process incredibly confusing, but this post sheds a little bit of light on it. Hopefully the clues from MyFico can lead us in the right direction so it isn't such a crapshoot all the time. It still does look like no matter what, payment history and open balances still count for quite a bit.

  13. gruntseo
    October 11, 2011

    I guess that majority of ordinary people start looking for help with their credit score when they hit the wall. These kind of advices they should look before that happens.

  14. tanmaysamajder
    October 11, 2011

    I know some important factors of Credit Score as I am going to take my first credit card shortly.But from this article I got more information like Quantity of open credit accounts, payment record and so others that are really helpful for the newbies like me.Hope to get more relevant posts on a regular basis!Thanks for sharing it.

  15. farhanejaz
    October 10, 2011

    Most lenders have carved-in-stone rules about handing out the best terms, and those rules almost always place a major emphasis on your credit score.

  16. Asif Bhatti
    October 10, 2011

    Valuable information(easy to understand newbie like me).i found these article sites are greatly useful for me in my project work. i just bookmarked it in my system. thanks for your wonderful post .

    • gites
      October 25, 2011

      Valuable information(easy to understand newbie like me).i found these article sites are greatly useful for me in my project work.

  17. colinmillercs
    October 10, 2011

    Yes it is true that millions of Americans now pay to glimpse their credit destiny on myfico.com . This manages all your credit accounts, balances, limits, credit inquiries and payment records etc. It also implies that some categories weigh more heavily than others like-: 35% on payment history and 10-10 percent on both on new credit and types of credit used.

  18. Samar
    October 10, 2011

    Credit Scores are such a black hole system, you never know what is going on. This post helps clarify a lot of things, somethings however,like not having many accounts, is simply not possible to follow for me.

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