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New Visitor
Posts: 2
Registered: ‎06-29-2011
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Re: Take the FICO Fitness Challenge for 2011!

what does CA, GM, and PDF stand for...? THANKS!

New Visitor
Posts: 2
Registered: ‎06-29-2011
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Re: Take the FICO Fitness Challenge for 2011!

 have sent GW?? letters out as well as DV?? letters.  And I have a bunch of small CA?? accts that were 120 days past due, so I sent a few PFD ???letters. We'll see how it all pans out. I have had some success with 2 items being deleted. I also had defaulted student loans' status changes from 120 days to "Pays As Agreed" which helped by writing GW letters.  I have a vehicle repo that is due to fall off as of Aug 2011, so we'll see if that helps an

 

 

THANKS!

Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009
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Re: Take the FICO Fitness Challenge for 2011!


deatrastar wrote:

what does CA, GM, and PDF stand for...? THANKS!


Welcome to the Forums.

 

I'm not sure what you mean by GM or PDF . Could you possibly mean GW and PFD?

 

CA = Collection Agency

GW = Good Will

PFD = Pay For Delete

 

Here is a list of Abbreviations.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".



New Member
Posts: 2
Registered: ‎08-22-2011
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Re: Take the FICO Fitness Challenge for 2011!

Thanks. But I think I am shooting high because my $60k student loans take up 6 lines of credit on my credit report. I don't want to consolidate them because the interest rate is so low. So unfortunately, it is going to take paying off and paying on time Student Loans over time to get that score to budge. LOl.


623: 800
623: 800
680: 850


Take the FICO Fitness Challenge
New Visitor
Posts: 1
Registered: ‎08-26-2011
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Re: Take the FICO Fitness Challenge for 2011!

My current credit score is 698

 

I would like to bring my score to at least 740 by the end of 2011

 

There was a judgment against me that does not belong to me and I'm disputing it, once it's settled my score should go up.

 

Besides disputing this judgment, I have no idea what else to do to bring my score up.


Starting Score: 698/b>
Current Score: 698
Goal Score: 740

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Member
Posts: 9
Registered: ‎08-26-2011
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Re: Take the FICO Fitness Challenge for 2011!

[ Edited ]

1. My FICO score as of 7/15/2011: EQ 621, EX 668

2. Current FICO score 8/25/2011: EQ 700, EX 739

3. My goal is to at least achieve a range of 720-750 in all three bureaus by year end and not to apply for new credit unless I badly and so desperately need one.

 

I lost my job but I have savings.  I spent all the severance pay I have received to pay off my debt.  That is why the scores changed in 30 days and should improve when accounts that I have paid off have reported zero balance.  I am on track to pay-off ALL few remaining debts, 3 credit cards (5k total), installment (3k) and auto loan within 1 year up to 2 years the most.  By late 2013, I'll be debt free.  Freedom by 2013!

 

I'm glad I have found this forum.  It gives me inspiration, not to achieve perfect 850, but to stay on top of my finances, bring my life back in order, and achieve the freedom of living without commitments.


Starting Score: 7/15/11 EQ 621 EX 668
Current Score: 8/25/11 EQ 701 EX 739 TU xxx
Current Score: 9/30/11 EQ 739 EX+ 742 TU 774 (EQ and TU FICOs by different lenders)
Goal Score: 720 to 750 and debt free by 2013


Take the FICO Fitness Challenge
Member
Posts: 9
Registered: ‎08-26-2011
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Re: Take the FICO Fitness Challenge for 2011!

How do I change my screen name into something more runic?  I didn't realize that at the time of I posted my first in this forum.

 

Thank you Moderator!

 


Starting Score: 7/15/11 EQ 621 EX 668
Current Score: 8/25/11 EQ 701 EX 739 TU xxx
Current Score: 9/30/11 EQ 739 EX+ 742 TU 774 (EQ and TU FICOs by different lenders)
Goal Score: 720 to 750 and debt free by 2013


Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009
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Re: Take the FICO Fitness Challenge for 2011!


joselms wrote:

How do I change my screen name into something more runic?  I didn't realize that at the time of I posted my first in this forum.

 

Thank you Moderator!

 


Just send me a PM telling me what you want it changed to and if it's not already being used I'd be glad to do it.

Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009
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Re: Take the FICO Fitness Challenge for 2011!


soniahg wrote:

My current credit score is 698

 

I would like to bring my score to at least 740 by the end of 2011

 

There was a judgment against me that does not belong to me and I'm disputing it, once it's settled my score should go up.

 

Besides disputing this judgment, I have no idea what else to do to bring my score up.



Hi soniahg and welcome to myFICO.

 

You can get some great and advice and suggestions about credit repair and rebuilding in the Rebuilding Your Credit board. Just feel free to start a new thread and ask away!!!

 

Good luck to you.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Highlighted
New Contributor
Posts: 65
Registered: ‎02-03-2008
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Re: Take the FICO Fitness Challenge for 2011!

Just an update - mortgage rates dropped enough that I am looking at another refi.

 

Started on 11/12/2010 with scores of 688, 690 and 725.   Midscore 688
 
Current scores as of 4/01/2011:  772, 765, and 762.   Midscore 765
 
Just got my scores from a lender I am working with:   780, 791 and 775.  Midscore 780!
 
11/12/2010:  EQ-717 TU-715 EXP-755
4/01/2011:    EQ-766 TU-710 EXP-650
08/26/2011:  EQ-780  TU-791  EXP-775

 

Getting better!

Goal Score: All above 740

 
 

Starting Score: 2014 775
Current Score: 822
Goal Score: 840


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