01-12-2008 11:34 AM
Wow, Niki9, that is raw! I send my hopes in your direction that everything calms and heals quickly! You'll get through this! You do what you must to survive, and yes, it will turn around for you!
To answer the score question, I was at EQ 580, EX 590, and TU 612, but that was before new TL's were posted. Once everything has hit the CRA's, then I'll get my new scores.
The issues: 1 repo (3 years old), 2 collections on each CRA, most recent 4/07, 1 COff on each(5 years old), Tax lien on EQ & TU (2001), zero current positive accounts. Almost all of these are in dispute due to inaccuracies, and I may rehab the chargeoff for the age (if I rehab, they'll have to remove their collection, which would eliminate most issues).
About to report: 1 revolving jewelry acct, 1 M/C, combined CL of 1800, less than 10% util.
I've got work to do!
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