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  #1  
Old 04-02-2010, 10:07 AM
truecolour truecolour is offline
Junior Member
 
Join Date: Apr 2010
Location: fl, usa
Posts: 2
Default Please help me understand my credit score?

Sorry I am really new to all this stuff and am trying to find out if I have any debt. But I don't quite understand it. Please could someone help? This is in brief what my credit report says. I got this report and this is everything that is on it. If this is everything that is on it does that mean it would show all the debt that I have or is annual credit report not a full list of any debt?

OK this is my full credit report. I have taken out private information ie company names etc.

No Potentially negative credit items appear on your report.

Credit Items: Select the account name to review details
Name of company is here
Account Number: ***********
DateOpened: ******
Status: Closed.

Type:
Revolving
Terms:
N/A
Monthly Payment:
$0
Responsibility:
Not responsible

Credit Limit:
$4,000
High Balance:
$5,624
Recent Balance:
N/A
Recent Payment:
N/A

Account History:
90 days past due as of Mar 2007

Creditor's Statement:
Account closed at credit grantor's request


Item Detail

NAME OF COMPANY IS HERE

Status:
Paid,Closed/Never late.
Type:
Revolving
Terms:
N/A
Monthly Payment:
$0
Responsibility:
Joint with (Ex spouse)

Credit Limit:
N/A
High Balance:
N/A
Recent Balance:
N/A
Recent Payment:
N/A

Your Statement:
Account closed at consumer's request

Item Detail

COMPANY NAME AND ADDRESS

Status:
Paid,Closed/Never late.

Date Opened:
2005
Date of Status:
2007
Reported Since:
2005
Last Reported Date:
2007

Type:
Revolving
Terms:
N/A
Monthly Payment:
$0
Responsibility:
Joint with (Ex spouse)

Credit Limit:
$750
High Balance:
$750
Recent Balance:
N/A
Recent Payment:
N/A

Your Statement:
N/A
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  #2  
Old 05-21-2010, 02:02 PM
C9Consulting's Avatar
C9Consulting C9Consulting is offline
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Join Date: Jan 2010
Location: Tennessee+USA
Posts: 104
Default Re: Please help me understand my credit score?

Looks like you don't to me. How long has it been since you've used any debt instruments (loans, credit card, etc)?
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