What do you think my credit score is?
Answers:
If you have a card you haven't paid for over a year I would think you would be in the lower 500's.
Your apartment rent is not on your credit report. Neither is your cingular bill.
The co-signed note is immaterial. You don't say what the balance is on the others. Plus, we don'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.
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's been paid off or available credit. i think worse case scenario high 500's to low 600's. i found a great resource that exposes you to information the credit bureaus don't tell you, as well as how to write effective dispute letters to improve your fico score fast.
http://bdcd.blogspot.com/
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!
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