I've got good credit and my baby does too!

So a few months after finding out about an old collection I never knew about, I checked my credit and found that my score has since rebounded for the most part.

My Experian score is in the 740 range or 'Excellent'

My Equifax score is in the high 670's or 'Fair' mainly because for some reason the collection is still showing.

My TransUnion score is in 700 range again because for some reason the collection is still showing.

- I will have to contact Equifax and Transunion obviously though because they are getting some bad information and my Equifax score actually dropped from last time.


My fiance on the other hand appear to have things more than under control - she pulled only one score but that score is in the 720's - so not bad at all.


After, I talk to/contact Equifax and TransUnion I think I might just take the asterisk (*) away from 'Reggie, another kid with good* credit' - cause it just about is 'good' again now.

5 tips for: 'fixing credit'

I had a myspace friend ask about how I 'fixed' my credit - although I'd say it's far from being fixed and the only real way to 'fix' for your credit is through 'time' & 'effort' but, here's my basic response:

'fixing' credit is not an easy or quick ordeal. Each person's situation is different. For me it was about:

1. Checking my credit report every 6mos - 1 yr
2. Learning about the factors that affect my credit score - such as: paying on time, eliminating negative trade scores (like collections & judgments)
3. Reducing the outstanding balance on credit cards and other debts.
4. Correcting any errors on my credit - such as incorrect debts, addresses, occupations, etc.
5. Keep the debt-to-income ratio low. Or the amount of debt you have compared to your annual income. A person making 50,000 a year with 85,000 of debt has a debt-to-income ratio of 1.7 - which, according to bankrate.com is somewhat average for a 30-yr old. My current debt-to-income ratio is .015. That will change drastically when I make the first step towards home-ownership.

Bottom line is pay your bills on time and check your credit regularly every 6 mos or 1x a year for mistakes and potential identity theft.

DANG it all ! cursed credit report surprises!

So I was messing around online and went to AnnualCreditReport.com to try and get a peak at my free annual credit report. So I entered a little information and got a basic credit report and saw instead of '1' negative entry - which, has been paid for some time - I found '2' negative entries!

After investigating it further it turns out an old, $1600+ medical bill was reported right after I pulled my credit the last time, back in January of this year.

What annoys me is that the medical bill holder has not made any effort to contact me about the bill and the last time I spoke to them(over a year ago) they explained that I had settled my account with them.

My credit scores are now 'average' but, not 'good'.

Experian = 688


Equifax = 688


TransUnion =712


collection accounts always seem to seriously effect credit scores. I'm so frustrated right now, here I was, ready to start shopping for a ring for my girlfriend. As a mater of fact, I just asked her adopted parents yesterday if it would be OK to marry her and they both said 'yes'.

What really worries me is if/when I get in contact with my medical bill holder if they'll end up saying they have other bills that they want me to pay but, have decided not to contact me for a year about.

Good thing I'm gonna start hitting the gym soon. I'll need the stress relief.