Re: I'm a 19 year old college kid, with a couple credit issues...help!
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Posted by Jason M. (12.220.81.5) on May 30, 2002 at 13:10:48:
In Reply to: I'm a 19 year old college kid, with a couple credit issues...help! posted by Jason M. on May 30, 2002 at 12:15:22:
Christine, I just did an Experian credit report... it says my score is 645. Factors helping your score:
• No derogatory information (such as a collection, charge-off, or bankruptcy) on your credit profile
• Three or more credit relationships on your credit profile
• No 30 day (or more) delinquencies Negative Factors:
• The average length of time since your accounts were opened is less than three years
• The outstanding balances on your revolving accounts are greater than the average in your credit category
• Application for credit made in the last year
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