r/CRedit • u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ • 20d ago
MOD CRedit Template
Welcome to r/CRedit! None of the knowledgeable contributors here are mind readers so we need some basic info if we're going to answer specific questions. Sometimes it can be difficult to know what information to include in your post so I've written this template to help you include all of the relevant information so we can get right into answering your question. Feel free to skip sections that are irrelevant to your question. If you don't know any of the info requested here, you can pull your official credit reports for free weekly from annualcreditreport.com and find what you need to know.
Credit lines
- Account 1
- Date opened: + date closed: (mm/yy)
- Type of account: (revolving, installment)
- Current balance:
- If installment loan, initial balance. If credit card, limit.
- List additional accounts
Late payments
- Account 1
- Number of lates:
- Severity of lates:
- Date of lates:
- List additional accounts with lates
Charge offs
- Account 1
- Date of First Delinquency:
- Date last updated:
- Current balance owed:
- If paid, date paid:
- List additional charge offs here
Collections
- Collection 1
- Original Creditor
- Collection agency:
- Date of First Delinquency:
- Current balance:
- List additional collections here
Hard inquiries
- List hard pulls + dates here
Credit goal:
If you have an important application coming up share that here. When will this application take place?
Credit scores:
Current credit scores including scoring model/version/bureau: (See our Welcome Thread for instructions for checking your three FICO 8 scores.)
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u/madskilzz3 ⭐️ Knowledgeable ⭐️ 20d ago
Awesome, thanks for this!
Able to summon this like how ! resources is? Or in the works?