0
means your up to date with your monthly payments in the past 7 mths
(past) 1111111 (present)
if you have a 2s or 3s in the series of numbers ... ie) 111231121
it means you have been behind with your monthly payment that paticular month.
1s mean paid monthly payment on time
2s mean 30 days (missed one payment)
3s mean 60 days (missed two payments)
4s mean 90 days (missed three payments)
Wiki User
∙ 10y ago
Add your answer:
Earn +20 pts
How are fico scores determined?
FICO compares all negative and positive data in all of the various different parts of the client's credit report. Taking all of these factors into account, FICO places scores into new credit, payment history, types of credit used, length of credit history, and amounts owned categories for the client.
Credit Card Minimum Payment Calculator?
Credit Card Minimum Payment Calculator Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments. Enter your credit card information below and press "View Report" to see your payoff details.
How many years of credit reports requests are included on a credit report?
Generally, only the last twelve (12) months of credit report requests are included on a credit report.
Where could you find your credit report score chart?
Your credit report score chart can be found on sites like Equifax or TransUnion credit sites. You can find many credit sites online and you just sign up there and they will offer you your credit score and every that is on your credit.
How can i find the definitions for the key factors used by the credit bureaus?
Usually at the bottom of the credit report.
How do you get a private lender to report favorable credit?
Ask them to report your payment history to the three bureaus.
How can you get a new credit card to report to bureau immediately?
They report nightly. The payment history will take time and after a year your credit will show your progress.
Can non payment of credit cards show up on your title of a house?
It will show up in your credit history report.
As a small business how do you report bad payment history?
Small businesses should report bad payment history to a business credit reporting agency. A few of the key business credit reporting agencies are Dun & Bradstreet, Experian and Equifax.
If an account was included in a Ch 7 bankruptcy can the account's history of late payments still be listed on the credit report?
Yes, your payment history will still be a part of your credit report as well as the Chapter 7.
What is a free online credit report?
A credit report is a record of your purchase & payment credit history. These reports are used by various corporations to determine your credit 'worthiness' before issuing you credit, offering you a job or writing you a mortgage. An online report is simply a credit report on you, that you can request, from the three major credit reporting companies online, for free.
What is a credit report and what is a credit score?
A credit report is a list of your credit accounts with different creditors stating your payment history with them. A credit score is made up of different items on your credit report using an algorithm including payment history, credit length, debt to limit ratio, credit types, and inquiries.A FICO credit report has 5 components that are used to determine your credit score:Payment historyPercentage of available credit in useLength of time (how long each account has gone since the last action, and the age of each account has been open)Amount of new creditVariety of debt
Can 30-60 days late payment history be disputed or removed from your credit report after the account has been closed?
yes
Medical bills on credit report?
unpaid collection on medical bills can possibly be reported on bureau, but payment history is not reported.
Should you check your personal credit?
You must review your personal credit report once a year. Your credit information impacts many decisions,from the loan size to the interest rate. A credit report includes credit cards, any mortgages, and your loan payment history.
Can a former employer report you to a credit bureau for overpayment of wages?
No. Your credit history isn't determined or affected by an employer's paycheck; it's affected by your amount of credit and the balances you carry, as well as your debt payment history. Your employer can report you to the police, in which case you'd have to prove you were unaware you were being overpayed.
What information is included in an individual credit history?
An individual's credit history typically includes personal information (name, address, date of birth), details on credit accounts (credit cards, loans), payment history (on-time or late payments), credit inquiries (who accessed the credit report), and public records (bankruptcies, liens).
