Annual Credit Score check
Feb. 22nd, 2007 06:19 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
cryowizardAll open and closed accounts check out, no identity theft evidence.
Credit score: 793 out of 850, top 2% - preferred customer everywhere.
Not bad. Let's see if we can keep it that way.
Funny thing - as the only "negative" point they listed the fact that I opened a new credit card only recently (in August 2006) and it hasn't been 20 months yet. Apparently, newly opened cards (under 20 months) are statistically more likely to have missed payments.
What a croc of shit!
Why is my score affected by averages collected from irresponsible people who don't pay their bills?
Credit score: 793 out of 850, top 2% - preferred customer everywhere.
Not bad. Let's see if we can keep it that way.
Funny thing - as the only "negative" point they listed the fact that I opened a new credit card only recently (in August 2006) and it hasn't been 20 months yet. Apparently, newly opened cards (under 20 months) are statistically more likely to have missed payments.
What a croc of shit!
Why is my score affected by averages collected from irresponsible people who don't pay their bills?
![[identity profile]](https://www.dreamwidth.org/img/silk/identity/openid.png){kind=small}
no subject
Date: 2007-02-23 12:02 am (UTC)Подробностей не знаю, правда.
no subject
Date: 2007-02-23 12:50 am (UTC)У меня в прошлом году было 802 :Р
no subject
Date: 2007-02-23 02:56 am (UTC)Какие мы, бля, респонсибл.
Я это дело всегда проверяю на предмет identity theft - списки всех открытых/закрытых счетов, куча всякой доп. информации. Полезно.
no subject
Date: 2007-02-23 02:57 am (UTC)no subject
Date: 2007-02-23 05:10 am (UTC)no subject
Date: 2007-02-24 04:17 am (UTC)A gde vy proveryaetes' na predmet credit score?
no subject
Date: 2007-02-24 04:18 am (UTC)no subject
Date: 2007-02-24 05:59 am (UTC)Я люблю Equifax. Там можно заказать единовременно все три репорта, плюс credit score etc. Мне говорили, что нынче по закону эти агентства обязаны один раз в год давать репорт бесплатно. Не знаю, не пробовал, поэтому раз в год плачу. Но с точки зрения безопасности моего кредита это того стоит.
no subject
Date: 2007-02-27 05:34 pm (UTC)