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Credit report and FICO score

July 17th, 2007 at 12:59 pm

I pulled my Experian credit report last night. I actually hadn't checked my report for a year so I was overdue. Everything was in order on my report except for my one credit card. The report gave my current balance, which was correct, but said the credit limit on the card was $0. Of course, that makes it look like I've overdrawn the account.

My FICO score was 794 which is very good. In the comment field, though, it says the amount owed on my credit cards is too high.

Not that it really matters with a score that high, but I did send in a dispute form for them to correct the credit limit on that card which is actually $32,500, not $0.

Posted in Personal Finance | 4 Comments »

4 Responses to “Credit report and FICO score”

  1. Ima saver Says:
    July 17th, 2007 at 01:35 pm 1184679352
    1184679352

    great score!!

  2. kv968 Says:
    July 17th, 2007 at 05:00 pm 1184691605
    1184691605

    Congrats on the score. Maybe the cc doesn't report what your credit limit actually is. I know that's a problem with Capital One. The only thing the credit bureaus see as a "credit limit" with them is the max you've ever put on the card and not what your true max is. In other words, you could have 2k on the card with a 10k max but if that's the most you've ever had on the card, it would look maxed out.

  3. boomeyers Says:
    July 17th, 2007 at 11:18 pm 1184714310
    1184714310

    Let us know if they change it and if it raises your score.

  4. Amber Says:
    July 18th, 2007 at 03:45 am 1184730328
    1184730328

    Way to go, can't wait until I can brag (and believe me you, i will be bragging...lol) about my score once it's up. I have been working sooo hard to clear things up it is a slow process but I have seen some changes. That is awesome Smile

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