General Credit Topics

[chartley3]

I have a 9 yr old BK and a 2 yr old paid lien on my report with a mixture of some medical collections and a couple lates. Any collections that I had have been paid in full. I was thinking of going the GW route to see if I can get them removed since most are over 4 yrs old. The funny thing is my TU and EX are 75 points higher then EQ. So im hoping with the util drop both of those will be over 600. As for Scorewatch. It alerted me today and I was informed by my CCC that they reported the balance on the 22nd.

[Timothy]

If I had not just finished reading the ethics thread- I would tell you waht I would do with those paid CA's

This is what I get for applying w/ CCCU.

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chartley3 wrote:

I have a 9 yr old BK and a 2 yr old paid lien on my report with a mixture of some medical collections and a couple lates. Any collections that I had have been paid in full. I was thinking of going the GW route to see if I can get them removed since most are over 4 yrs old. The funny thing is my TU and EX are 75 points higher then EQ. So im hoping with the util drop both of those will be over 600. As for Scorewatch. It alerted me today and I was informed by my CCC that they reported the balance on the 22nd.

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[so_confused]

Timothy,  How did you do with CCCU?

[Timothy]

Still waiting- I hear it takes them about a week

They are behind in their prossessing.  Hoping for 3-5K

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so_confused wrote:

Timothy,  How did you do with CCCU?

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[Bruiser]

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Timothy wrote:

Still waiting- I hear it takes them about a week

They are behind in their prossessing.  Hoping for 3-5K

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so_confused wrote:

Timothy,  How did you do with CCCU?

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yeah, i just called them today and they said I'm at about 3 days now

they said there was a huge jump in the number of apps recently

i noticed they pulled my EX report yesterday,..so I'm hoping i get approved

i asked for 5k

[LadyFICO]

congrats on your big point improvement. Util really is an area where we have the most control over making our score go up. Low util and on time payments on a reular basis will improve but not so quickly as the initial effect. Over time you will also get more points as they age. 

[trinigal]

LOL!!!!

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Timothy wrote:

If I had not just finished reading the ethics thread- I would tell you waht I would do with those paid CA's

This is what I get for applying w/ CCCU.

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