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Frequent Contributor
Posts: 485
Registered: ‎07-31-2007
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Re: credit

that is waht I am trying to do but no banks with approve me with all the inquires i have had in the past 12 mths.  I don't know my fico but my exp is 634.
Moderator Emeritus
Posts: 16,377
Registered: ‎03-12-2007
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Re: credit



laryn41 wrote:
that is waht I am trying to do but no banks with approve me with all the inquires i have had in the past 12 mths.  I don't know my fico but my exp is 634.


Best if you know all three FICO scores and how many inqs on each report. This way we can hopefully get a CCC to pull your best score and report.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Frequent Contributor
Posts: 485
Registered: ‎07-31-2007
0

Re: credit

the company said that they can only undate my report not delete it.
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Moderator Emeritus
Posts: 16,377
Registered: ‎03-12-2007
0

Re: credit



laryn41 wrote:
the company said that they can only undate my report not delete it.


Don't believe them! They tell you this because you're paying them already. If it was me I would offer $700 for a PFD, if they say no, fine. I will stop paying them until they agree to the PFD.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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