FICO 8 AND MORTGAGE SCORES
HEY GANG I bit the bullet and bought the Ultimate 3B credit report..... I like the makeup. It seems easy to understand and well thought at. My FICO 8 score are EX: 628, TU 606, EQ 648Mortgage scores...
View ArticleTU Dropped?
So when I pulled my TU Fico a month ago, it was 606 (via Myfico.com AND my Barclay's MC). Since then, I had a Derogetory remark (Legal Item) removed from my TU report. No need collections or debts. No...
View ArticleQuestion about 2 student loan accounts- Closed but with a balance
My question has to do with 2 closed accounts on my Equifax credit report. The accounts are student loans from the US Dept of Education that are carrying balances of $6700 and $2900 each. Both accounts...
View ArticleNeed advice on cap 1 / BB
Wife has 3 lates from cap 1 / Best Buy on tu which was sold to citi. Ex and Eq deleted but tu did not. These are set to fall off in November/December and next March.Wondering if it's worth disputing...
View Articlepossible score increase?
I paid down my credit card balances to bring my uti from 68% to 45%, This is good considering my uti has always been 99% until March when I started rebuilding. The score simulator suggest my score will...
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Rebuilding with questions
Greetings, I am a short term lurker, first time poster with a few questions. I have begun the process of rebuilding my credit. I don't have anything too crazy on my record, 2 very small collections...
View ArticleSlow crawl......getting close to 670 across
Slow process but getting close! Utilization is dragging score down. Currently at 66%. Have brought it down from 90% in 3 months. it's a process. But no derogs, lates, etc. High uti is it. LOL. got...
View ArticlePaid collection through CCS-progressive account
Has anyone tackled this issue? I have a paid collection on my TU report for 78$ for a lapsed policy from progressive insurance in 2015 that was assigned to CCS and paid to CCS. I would like to get this...
View ArticleWOOOO officially 600 club
FICO® Score 8 based onEquifax data as of 7/31/2016643FairFICO® Score 8 based onTransUnion data as of 7/31/2016638FairFICO® Score 8 based onExperian data as of 7/29/2016
View ArticleCapital One charged off account... Questions
Hello everyone!!! So a few weeks ago I posted on here in regards to two Capital One accounts of mine that have been charged off. One of them is being recalled from the CA so I can settle with Capital...
View ArticleEOS
Vey old AT&T , 2008! Thought I had paid it. Received in mail today a debt validation ( did not request) still in SOL. How do I pay this can I negotiate a lesser amt? I need to call them I the am....
View ArticleEquifax reporting slow
Is it just me or has Equifax been falling behind on reporting lately? My balances have are up to date on TU and EX, but EQ is updating about 2 months behind on both myfico and ck.
View ArticleSeeking more advice...
Evening....my fiance and I just checked her credit and she has a 671 TU and 666 EQ scores. She never filed BK before. She has decreased her limits on some of her cards (which im thinking was bad for...
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Chase auto-loan late-pay status update!
For the past couple years I've just been playing the waiting game but thanks to all of the amazing info on here I decided to actually start putting in some work. I had sent a couple of goodwills...
View ArticleMy rebuilding journey
I've been a somewhat regular contributor over the past few months, but I'd like to start a thread about my journey for tracking as well as for anyone who'd like to follow along. Seperated from ex-wife...
View ArticleCare credit
Well I started the process of asking my creditors to remove Lates back in May. Only one that will not remove Lates is care credit. So I dispute with them and their dispute department every month. I was...
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Ad Astra says that I dispute, but I don't and reported a closed paid account...
A little background, I am 24 years old and I have been steadily working on repairing my credit since February of this year, starting with a secured card with my bank, Wells Fargo. Finding myself with...
View ArticleOne thing on EX & EQ to go
Yesterday EX removed an item that was paid/ settled in less and now only one item remains on EX which they couldn't remove. They said try it by the end of this month. EQ is stuck with one item (120...
View ArticleCA Change?
How would a Collection Agency change effect the drop-off time frame? Original CA pulled the collection off of my reports, but I recieved a letter from a completely new CA for the same debt. Which means...
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