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are the scores FICO or FAKO?
ronq wrote:
Credit At-A-Glance
Total past due Credit history Late payments
No accounts past due 18 Years 32
Total balance of
Your revolving accounts $569
Your mortgages $0
Your installment loans $4,509
Total number of
Accounts 17
Accounts with balances 3
Accounts opened in past year 0
Recent inquiries 1
Collections 0
Public Records 0
This is from TU and it is 719. This is my highest with EX 714 and EQ 695. No lates in 2+ years so I am trying to figure out if have stuff from 2+ years ago GW would really be worth it.
Im guessing that all the late pmts go way back...scores are great I would not bother with GW letters
ronq wrote:
Those are all FICOs, my TC scores are lower.
ronq wrote:
Most of my lates are from late 04 and early 05. mortgage, car, loan while I was trying to sell my house due to job relocation others are from just me being an idiot over the last 6-7 years. I am just curious what others with similar histories have. I was lucky that I had some older CC accounts that were from when I was really young. My CU CC has been late 3 times, but I had a Discover CC from 91 that I had forgotten about and it has never been late. I had to call and request a new card and after going back 4 addresses they believed that I was who I said I was. I also got a crap1 card on 05 and raised my CU CC from 1800 to 7500 this year. My average account age is 9 years so I know that helps. I only had my FAKOs when I started looking at my CR in 01/06 and my they were 601 and below. I now know that they were lower than my FICO, but I had to learn that by taking an INQ until I found MyFico. I requested a mortgage pre-approval and the guy gave me my sore in 03/07 and told me it was ok don't worry about it since my middle FICO was 662. I found this site a couple of months later and stared really working on my score by dropping my UTL it really makes a big difference.
No I am not surprised by your scores. Lates that are older than two years have less of a negative effect on your scores. Does this mean you shouldn't try GW letters, no way! Go for it, you have nothing to lose.
ronq wrote:
Credit At-A-Glance
Total past due Credit history Late payments
No accounts past due 18 Years 32
Total balance of
Your revolving accounts $569
Your mortgages $0
Your installment loans $4,509
Total number of
Accounts 17
Accounts with balances 3
Accounts opened in past year 0
Recent inquiries 1
Collections 0
Public Records 0
This is from TU and it is 719. This is my highest with EX 714 and EQ 695. No lates in 2+ years so I am trying to figure out if have stuff from 2+ years ago GW would really be worth it.