Credit Report Card 10/09

Credit.com

VantageScore 990

I didn't expect a perfect VantageScore on my first try here! It all starts with having a good payment history. Make the payments on time, along with good credit habits, and one could be on cruise control in the future. Your mileage may vary.

Amex Clear Credit Increase

Credit limit increased from $2000 to $4000.

My American Express Cards: Past and Present

In November 2008, I applied for an American Express Clear.

American Express has reported my new Clear as opened in 1990, to reflect my currently-closed Green Card.

Today, this is what Experian is showing:



*Please note, I have merged the images so that the cards are side-by-side for easier viewing. Nothing else has been altered.

You will notice that the Green card (left) indicates "Acct Type: Credit Card - Revolving Terms." The Green card was actually a charge card. I believe that is indicated as "Terms: 1 Month". My new Clear card is on the right.

Now that Experian has shown my new Clear as opened in 1990, I hope that Equifax and TransUnion will follow suit. This will hopefully improve my Average Age of Accounts, which should benefit my credit scores.

PFICO 822

This is the final PFICO, as Wamu has been taken over by Chase. I ended on a down note.

PFICO 840

Equifax 792

Equifax offered a free FICO Score today for the first 10,000 respondents.