General Credit Topics

[so_confused]

I got it and my report is dirty...real dirty

[fused]

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so_confused wrote:

I got it and my report is dirty...real dirty

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How dirty?  Lates, charge-offs, collections??  What is your FICO EX score?

Message Edited by fused111 on 06-25-2007 05:32 PM

[Starbuck]

Really...care to say what your scores were? If not I understand and thank you.

[so_confused]

have 7 judgements(paid 2004) 4chargeoffs(paid2004) no lates no derogs since....EQ=678 EX=661 TU=651

[Starbuck]

Hmm ok how about this...was just looking and I applied for an AMEX back in December of 2006. Though it has been almost seven months since I did and I didn't get approved. I can't remember what card I was going for at that time. After seven months of no late payments and everything will that matter? I haven't had a late payment for several years now.

[so_confused]

sorry got those wrong EQ=691 EX=678 TU=661  ....sorry

[fused]

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so_confused wrote:

sorry got those wrong EQ=691 EX=678 TU=661  ....sorry

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Your scores are pretty good, considering you have so many judgments and charge-offs.  You should try an GW all of these paid judgments and charge-offs.  Might work, might not but you have nothing to lose.  Use this thread, courtesy of Tuscani and Noah_Brodie

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2661

[so_confused]

judgements ...hard to get off...have to let them fall...they are recorded in the county record...

[so_confused]

I just did a few GW with the charge offs...but I am concerned that its going to kill my scores ...they are my oldest accounts showing 21 years...bummer!

[fused]

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so_confused wrote:

judgements ...hard to get off...have to let them fall...they are recorded in the county record...

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Once anything is paid, of course it's harder to get it deleted.  Anything can be deleted, some are just harder than others.  Your EQ and EX scores are good enough to be approved for the card you want.  If you apply and your approved, at least you will have a new TL to build on.  Sort of like diluting all of the pollution on your CR's with a newly planted green tree.