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Frequent Contributor
CreditChampion
Posts: 267
Registered: ‎03-15-2012
0

Re: Almost there...

Recon

Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K AMEX BCE 6K AMEX Zync NPSL(AU) Discover it 5K Wells Fargo Cash Back $2.3K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)
Super Contributor
enharu
Posts: 6,962
Registered: ‎02-27-2013
0

Re: Almost there...


NJTurnpike wrote:
If it was experian, you now have 3 months of free daily report access. Congrats!

how do i do that if i have a denial letter, lets say for an auto loan? I think I have one.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
Datx
Posts: 1,051
Registered: ‎05-20-2010
0

Re: Almost there...


enharu wrote:

Repo-ed wrote:

when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.


246 OPEN accounts?! HOW?
Paying those bills and sorting out those statements alone is like a full time job. :smileyvery-happy:


Your sarcasm meter is broken my friend, lol.

TU: 603 – EQ: 569 – EX: N/A – May 2010

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Almost there...

@Repoed LMAOOOOO!!!!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

Re: Almost there...

I would like to know this as well, where do you go annualcreditreport.com? Or to some Experian site?

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Established Contributor
NJTurnpike
Posts: 662
Registered: ‎02-20-2013
0

Re: Almost there...

if you want to know how to get your experian report for free after being denied credit go here: http://bit.ly/Xby9ik


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
New Visitor
Chaney34
Posts: 2
Registered: ‎03-09-2013
0

Re: Almost there...

How did you get your three Credit Scores?

Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

Re: Almost there...

It's amazing what Google can do. Thanks.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Established Contributor
NJTurnpike
Posts: 662
Registered: ‎02-20-2013
0

Re: Almost there...


Chaney34 wrote:

How did you get your three Credit Scores?


You can't get any scores that way. I use creditkarma, i pay for usaa creditcheck monitoring. i pay for transunion monitoring. i have free monthly score from DCU and walmart. as you can see in my sig, the scores are all over the place. they are all slightly (hugely) different scoring algorithms. so IMO, the scores matter less than careful and strategic report management.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
New Visitor
Chaney34
Posts: 2
Registered: ‎03-09-2013
0

Re: Almost there...

Thank you. I've been working on cleaning up my and my wife's credit for 2 years now, and I'd like to know where we stand before applying for a home loan. (I like crunching the numbers ahead of time). However, I can't seem to find a place that'll give me all three credit scores (fake as they may be). Any suggestions? Should I just apply and see?


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