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Mega Contributor
Creditaddict
Posts: 18,977
Registered: ‎10-23-2007

D&B

Broke down and bought the credit builder program!
Someone please tell me it was worth it! lol
 
After seeing the post for a $16k HD I was hooked.
Fico Scores: EQ 657 Cabelas, TU 653 Barclay, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007

Re: D&B

I paid for it and did not help me much. It is a waste of time and money for me.
Established Contributor
bamagirl1
Posts: 1,044
Registered: ‎12-30-2007

Re: D&B

what is credit builder program?
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Mega Contributor
Creditaddict
Posts: 18,977
Registered: ‎10-23-2007

Re: D&B

they verify your account and create the scores as people report.
But you have to actually call the creditors and give them the D&B number and ask them to report.
The next step up is for like $700 and you can physically add 6 accounts of your choice and D&B will contact them to get ALL history of accounts and create a score.
I didn't feel I needed that though because all the accounts I want to report already would if I just gave them the number, and in fact most of them report monthly.  So as soon as I call them all and update the account records to show D&B they will report and then D&B will compile a "verified" score which is what Ford said they needed and I think what HDMC wants.
Fico Scores: EQ 657 Cabelas, TU 653 Barclay, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Mega Contributor
Creditaddict
Posts: 18,977
Registered: ‎10-23-2007

Re: D&B

I have a credit rating of 2R3 ( the 3 equals fair based on age of company?)
Paydex of 80
 
but currently only my small net 30 and it looks like one credit card are reporting, I added most of my citi cards yesterday and sent in letter to GE to add those accounts.
Fico Scores: EQ 657 Cabelas, TU 653 Barclay, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:

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