Nothing New In My Credit Report

I did my quarterly free credit report check through annualcreditreport.com and pulled my Experian report. I didn't get my FICO score since the jerks at Experian decided that they would no longer sell FICO scores to consumers. Just on principle, I refuse to pay good money for Experian's bogus FAKE-O score.

I'm not surprised that I didn't find anything weird in my Experian report since I'm getting AAA's free identity theft/credit monitoring service.

I just found the same ol' (emphasis on the 'old') negative items that will fall off my credit report by next year. I'm hoping my FICO score will improve to around 800 early next year since my credit cards are paid off and most of my negative items will disappear. *Fingers crossed*

Experian credit report prepared for SHTINKYKAT

Your report number is 12345678910

Report date: October 10, 2009

7 Total Potentially Negative Items

Five (5) Private Student Loan Accounts
90 days past due as of Apr 2003
60 days past due as of Mar 2003

One (1) Law School Perkins Loan Account (Paid Off)

60 days past due as of Jan 2003
30 days past due as of Jun 2003, Dec 2002

One (1) Macy’s Account
30 days past due as of Nov 2003