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These are all the headings on your credit report and what they mean. |
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It is important to notice these totals as they show the amount of
credit you have been responsible for in the past. For better scores
one must pay balances down to less than 10 percent of the high credit
rating to keep the very highest of scores. If I have any account greater
than 80 of my high credit limit, then I can usually raise my fico credit
score really fast.
------------------------------------------------------------
HICR
TRV BNK *8......88 R1 12/01
6500 --- 0 05
S/
07/01 --- ---
CHARGE
FLEET CC *49.....1 R1 10/01 ---
1500 0 11/98 47
J/
11/97 --- ---
PAID ACCOUNT/ZERO BALANCE
ACCOUNT CLOSED BY CREDIT GRANTOR
BANKAMERIC*41.....28 R1 10/01 6000
--- 0 10/01 41
I/
0
5/98 --- ---
CREDIT CARD
FUSA NA *4......7 R1 02/00
---
8500 0 09/98 27
A/
08/97 --- ---
ACCOUNT CLOSED BY CONSUMER
PAID ACCOUNT/ZERO BALANCE
FUSA BANK *1.....5 R1 02/00 ---
7000 0 10/99 26
S/
11/97 --- ---
ACCOUNT CLOSED BY CONSUMER
PAID ACCOUNT/ZERO BALANCE
FUSA NA *4.....17 R1 10/99 1500
--- 0 09/98 26
I/
08/97 --- ---
CREDIT CARD
DILLARD *90.....5 R1 07/99
0 --- 0 04/95 02
J/
02/92 --- ---
CREDIT CARD
DILLARD *9......5 R1 07/99
1000
--- 0 05/96 95
J/
06/91 --- ---
CREDIT CARD
FUSA NA *4......7 R1 09/98 8500
--- 0 09/98 13
A/
08/97 --- 15
CREDIT CARD
DILLARD 90.....5 R1 10/97
--- 373 0 04/95 39
J/
02/92 --- ---
CLOSED ACCOUNT
CITI *9......5 R1 06/96
2300 --- 0 02/96 99
A/
04/87 --- ---
ACCOUNT CLOSED BY CONSUMER
REVOLVING TOTALS
79000 19373 23461
--- 514
HICR = the
high credit limit.
right here the line changes because
revolving vs installment.
On Installment loans the line of high credit is fixed so it shows up in
a different column
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------------------------------------------
AEDC CR UN*7........8 I1 01/02 --- 9450 7665 01/02
C/72222221
02/01 --- 227
AUTO
REGIONS *7......8 I1 12/01
--- 1400 0 11/01 23
I/322222222702
01/00
--- 68
WELLS FARG*5.......8 I1 12/01 --- 107K 100K 12/01 52
J/6822222225
03/97 ---
984
REAL ESTATE MORTGAGE
--- 1745
HICR = the high credit limit
for account.
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