powellfamily2009 wrote:Also Rhaeny....
I noticed there seems to be a big spread in your scores. Almost 100 points if memory serves..... Whats up with that if you don't mind me asking? Have you looked into that at all. I just noticed my Experian was a good deal lower yesterday than the rest and found out they were reporting a lot of stuff different and incorrectly. Just throwing that out there.
Ha!! It's that skanky Experian!!! Those idiots! I am fighting that right now. I have two accounts from CU's that are not showing IIB and posting 180 days late or KD for 5 1/2 years. I am so ready to explode. If these accounts were corrected I would have to see one heck of a jump in scores. But yea I'm working on it....slowly and painfully but working on it.
Oh and some of the same accounts on Equifax and TU are reporting zero balance and IIB but oh noooooo.....not EXP!
Experian is my least favorite too!
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Hi Everyone!!!
I am sorry that I am just now repying to all this!
First off, I have not gotten any offers in the mail just yet.. :/ Just had my 341 meeting and I am In the process of waiting on alot of my information being updated with the CBs.
I just applied for a PNC secured card and I am waiting to find out the status of that. Maybe another week or two.
Right now, I have no new credit and I am not even sure where to look. I have tried BOA (denied secured) First Premier (denied), Cap One Secured (denied) I don't know who else to try, If anyone has any addl information. Please let me know.
Thanks!
ANW
If Only I knew...)
MzCharming wrote:Hi Everyone!!!
I am sorry that I am just now repying to all this!
First off, I have not gotten any offers in the mail just yet.. :/ Just had my 341 meeting and I am In the process of waiting on alot of my information being updated with the CBs.
I just applied for a PNC secured card and I am waiting to find out the status of that. Maybe another week or two.
Right now, I have no new credit and I am not even sure where to look. I have tried BOA (denied secured) First Premier (denied), Cap One Secured (denied) I don't know who else to try, If anyone has any addl information. Please let me know.
Thanks!
ANW
You need to clean up your credit reports first to make sure everything is reporting accurately. Until then you are wasting hard pulled inquiries that are bring your scores down even further.
MzCharming wrote:Thank you GOD!!!!!
My very 1st SECURED (PNC) card was approved today and is being sent out!!! I feel like running about the place!
Congrats, but now look at cleaning up your reports. I bet there are items on there not being reported correctly. At this point if you keep applying you are doing yourself more harm than good.
I am most def about to buckle down on all three reportsd. My first round of disputes are back and stupidly, I disputed everything at one time. Rookie mistake, I know! Now I am in the process of working on the second round of disputes... by mail this time and my first round of re-age/goodwill letters on the stuff (student loans) that is left
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
