Friday, August 04, 2006
my credit according to experian
(click on image for larger image)
after tracking my spending for a minute (i know, i know...i still need to keep tracking), i decided to pull my credit report. i called to get my reports from all of the agencies (for free!), but me being me (read: impatient), i logged onto FreeCredit.com to get my credit report and score. according to FreeCredit (run by experian) my credit score is 555, which is "poor." this gives me hope because it has gone up since i last checked! i've gone from "very poor" to "poor" (lol) and slow motion is better than no motion.
breaking down the report...
my report indicated that i have 9 negative items and 13 satisfactory accounts. according to the score breakdown i can raise my score if i open a credit card and make all of the payments on time, so i'm going to open a secured card and work with that to raise my score. as far as the negatives....i'm open (suggestions?)...i want to get those joints off of my report (in time for apartment hunting). i've been scouring the Credit Boards site to find solutions, but it's very overwhelming (still). i'm going to stay on it though, i'm not in as bad of shape as i once thought, and that is very very good news.