credit report blocking
credit report blocking
How come on my credit report it shows more deliquencies than payments made on time?
I have the 3 bureau credit report monitoring and I’m trying to build up my credit. I noticed that my Experian score was higher than my Transunion/Equifax. One reason being, I believe, because it would show payments made on time as “white blocks” (which indicate status unknown) but when I made late payments, it would definetely show. So basically, Tranunion/Equifax would show the bad status and none of the good. Is there any way to get the “green blocks” (payments made on time) to show on there too? I’ve been working really hard to make my payments on time and to lower my balance. If it doesn’t show, it’s almost like it’s not helping me either. Any advice?
When creditors check your credit score they can tell when you have made payments on time. I am a lender and I have gotten so used to reading a bureau I can tell you everytime you have made positive on your payments within a matter of seconds.
In the tradeline section of the bureau you will notice marks made anytime you have gone 30+ days delinquent on your account. However, the balances that have been paid without any marks are the ones the banks will view in a positive way.
Your credit score (which is the main factor) will continue to improve with positive payment history so keep up the good work. There is light at the end of the table, just don’t get discouraged! Good luck!
