FICO Score showed 9 open accounts?
I was just checking my FICO score while paying a bill online, and it said I had 9 open accounts? Does that mean just credit cards, or can it also include my car loan? Because as far as I know, I only have 6 credit cards (and I would know since I pay them each month), so can it include anything else besides credit cards? And how can I figure out what exactly it includes (this website said only 9 accounts, but 7 are open 2 closed, and won't say what they were). Thanks and God bless.
And actually since you are answering this question (you probably know more about credit that I do), it says I have 9,000-9,999 in debt (not including my car loan which is more than that), and even though I pay the payments each month on time it is difficult (several circumstances such as major dental work and college gave me that much debt). Any ways I can reduce my payment and/or have only one payment and/or get it paid off in under 10 years? Thanks again.
I'm not sure what site you're using but you should check the actual credit report (you can get one free annually from www.annualcreditreport.com). The report will list all of the accounts (with account numbers in most cases) with payment history, balances etc.
It will list any credit line that's reported which usually includes credit cards (including store cards), auto loans, personal loans, mortgages and home equity loans and lines. It will also tell you who's been pulling your report.
If you find accounts that don't look like yours you could be a victim of identity theft – someone taking out credit in your name – so it's worth reviewing the details.
an open account is anything basically that you are paying for monthly..weekly..etc..or someone that you have credit with currently
References :
I'm not sure what site you're using but you should check the actual credit report (you can get one free annually from http://www.annualcreditreport.com). The report will list all of the accounts (with account numbers in most cases) with payment history, balances etc.
It will list any credit line that's reported which usually includes credit cards (including store cards), auto loans, personal loans, mortgages and home equity loans and lines. It will also tell you who's been pulling your report.
If you find accounts that don't look like yours you could be a victim of identity theft – someone taking out credit in your name – so it's worth reviewing the details.
References :