What do you think my credit score is?

This is what is working for me: I have 4 credit cards that I%26#039;ve owned for 2 years, a contract with cingular that I%26#039;ve owned for a two years, an apartment I%26#039;ve had for 3 years, and a cosigned $2000 loan that I had and payed off several years ago. I have kept up with all these bills. This is what is working against me: 1 credit card for $3000 that I have yet to pay on in the past year because the company won%26#039;t work with me. A $150 Tmobile debt from two years ago, and a $300 online loan debt that I paid over $600 for and they still fraudulently took money from me and so I changed bank accounts and stopped paying them a month ago. What should my credit score look like? 500s? 600? 700s?

What do you think my credit score is?

If you have a card you haven%26#039;t paid for over a year I would think you would be in the lower 500%26#039;s.

What do you think my credit score is?

Your apartment rent is not on your credit report. Neither is your cingular bill.

The co-signed note is immaterial. You don%26#039;t say what the balance is on the others. Plus, we don%26#039;t really know your credit history with regards to inquiries.

There are 3 credit bureaus. You could be in the low 500s with 2, and high 500s with one of them. Or you could have a 499 with one. Only you and the bureaus know for sure.

What do you think my credit score is?

well if i knew the balances of the 4 credit cards i could make a better guess. generally the way it works is debt ratio to what%26#039;s been paid off or available credit. i think worse case scenario high 500%26#039;s to low 600%26#039;s. i found a great resource that exposes you to information the credit bureaus don%26#039;t tell you, as well as how to write effective dispute letters to improve your fico score fast.

http://bdcd.blogspot.com/

What do you think my credit score is?

Your credit score will go up and down without a moments notice. I am a mortgage consultant. I check peoples credit everyday. If the bills are still not taken care of they will bring your credit score up and down each time you use a card, or each time you make a payment on a PAST bill. No telling what your credit is, but its probably around the higher end 500 if not around 615-630. I hope this answers your question!