{"id":71399,"date":"2015-07-22T06:31:10","date_gmt":"2015-07-22T14:31:10","guid":{"rendered":"http:\/\/www.lukeford.net\/blog\/?p=71399"},"modified":"2015-07-22T06:38:21","modified_gmt":"2015-07-22T14:38:21","slug":"i-have-a-credit-score-of-592","status":"publish","type":"post","link":"https:\/\/lukeford.net\/blog\/?p=71399","title":{"rendered":"I Have A Credit Score Of 592"},"content":{"rendered":"<p>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.<\/p>\n<p>I have a lower credit score than your average resident of Washington Park!<\/p>\n<p><A HREF=\"http:\/\/www.progressillinois.com\/quick-hits\/content\/2014\/02\/25\/report-credit-score-disparities-contributing-racial-inequality-illinoi\">Report<\/a>: &#8220;In the village of Washington Park, where the population is 98 percent minority, the average credit score is 600. That&#8217;s 107 points lower than the average credit score in nearby Belleville, Illinois, where only 22 percent of the population is minority.&#8221;<\/p>\n<p>According to my USAA account:<\/p>\n<p>What&#8217;s Hurting:<\/p>\n<p>Balances on bankcard or revolving accounts too high compared to credit limits.<br \/>\nTotal of all balances on bankcard or revolving accounts is too high.<br \/>\nThe balances on your accounts are too high compared to loan amounts.<\/p>\n<p>What&#8217;s Helping:<\/p>\n<p>There are no or only a few recent delinquencies on your accounts.<br \/>\nLack of sufficient relevant installment account information.<br \/>\nFew or no bankcard or revolving accounts with delinquent\/derogatory status.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 &hellip; <a href=\"https:\/\/lukeford.net\/blog\/?p=71399\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-71399","post","type-post","status-publish","format-standard","hentry","category-personal"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/lukeford.net\/blog\/index.php?rest_route=\/wp\/v2\/posts\/71399","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lukeford.net\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lukeford.net\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lukeford.net\/blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lukeford.net\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=71399"}],"version-history":[{"count":6,"href":"https:\/\/lukeford.net\/blog\/index.php?rest_route=\/wp\/v2\/posts\/71399\/revisions"}],"predecessor-version":[{"id":71405,"href":"https:\/\/lukeford.net\/blog\/index.php?rest_route=\/wp\/v2\/posts\/71399\/revisions\/71405"}],"wp:attachment":[{"href":"https:\/\/lukeford.net\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=71399"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lukeford.net\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=71399"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lukeford.net\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=71399"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}