Jimmy
| VantageScoresm | Experian |
| 604 | |
| VantageScoresm Grade | D |
| All Accounts | Experian |
| Number of Accounts | 10 |
| Open Accounts | 6 |
| Revolving Accounts | 5 |
| Installment Accounts | 0 |
| Real Estate Accounts | 1 |
| Accounts Ever Delinquent | 3 |
| Presently Delinquent | 1 |
| Previous Bankruptcy | Yes |
| What influenced the score? | Experian |
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Jimmy has a VantageScore grade of D, placing him in the bottom 40% of all consumers Jimmy has a previous bankruptcy on file, has two charged-off accounts and is presently 30 days past due on one account. The past due account is also over its credit limit. Only time will remove accurate information from Jimmy’s credit report. Bankruptcies stay on a credit report for 7-10 years and delinquencies remain for 7 years. However, Jimmy can take some actions to improve his credit score. 1. Pay the past due amount on his delinquent account. 2. Reduce the balances on his revolving accounts 3. Continue to pay all accounts on time and allow the passage of time to minimize the effects of his previous delinquencies. |
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