I never saw myself as this much of a loser. In 2007, I had about $130,000 available credit on my cards, now it is down to about $2127.
I have a lower credit score than your average resident of Washington Park!
Report: “In the village of Washington Park, where the population is 98 percent minority, the average credit score is 600. That’s 107 points lower than the average credit score in nearby Belleville, Illinois, where only 22 percent of the population is minority.”
According to my USAA account:
What’s Hurting:
Balances on bankcard or revolving accounts too high compared to credit limits.
Total of all balances on bankcard or revolving accounts is too high.
The balances on your accounts are too high compared to loan amounts.
What’s Helping:
There are no or only a few recent delinquencies on your accounts.
Lack of sufficient relevant installment account information.
Few or no bankcard or revolving accounts with delinquent/derogatory status.
