01-09-2013 12:08 AM
It's time to get right in 2013. Here's the breakdown of my situation. MyFICO EQ is 642, with EX(own site) @ 567. TU is ???
AES/CLC/BONY NA AS TRUST-$5500(AMERICAN EDUCATION SERVICE/PHEAA)...double dip
AMERICAN EDUCATION/KEYSTONE BEST(AMERICAN EDUCATION SERVICE/PHEAA)-$2800.....double dip
EASTERN ACCOUNT SYSTEM I-$315
FIRST PREMIER BANK-$393
HSBC BANK-$1175....(LVNV FUNDING, LLC) double dip
U S DEPT OF ED/GSL/ATL-$2513
CAP1 CR..$500 CL, pay every month
CAP1 secure...$200, pay every month
military star card...$500, pay every month
pioneer loan...$3600, installment, allotment
Paid full balance of Eastern accts, and began payment plan with student loans. Have requested deletion of eastern acct(very nice people). SL will delete in 9 months. What kind of scoring jump am I likely to see?? And help would be great!!
Goal is to be 700+ (all 3) by end of 2013!!
01-09-2013 07:00 AM
Assuming that Eastern is a CA, that First Premier and HSBC are COs, and assuming everything else is positive with no lates reporting, then my answer would be: it depends. It depends on how recent the baddies are and how recent Eastern is in relation to those baddies. For example, if Eastern were 6 years old and the COs were from this past year, then I'd guess no gain or very, very little. Conversely, if the COs were 6-7 years old and Eastern appeared last month then I'd guess a modest gain into the solid double digits assuming every other account were positive.
The EQ score from myFICO is a FICO. The score from EX isn't.
Your goal is certainly achievable with persistence of effort (and a lot of letters, stamps, CMS subscriptions, report pulls, etc.). Definitely do-able.
01-09-2013 06:21 PM
Since I'm deployed in the military right now, I communicate with my wife who is taking care of all this, through my POA. Latest update is that my First Premier acct was paid back in May '07...waiting on the letter, then hitting up the CA's. She's getting in touch with HSBC/LVNV funding to clear that up. Also, began this month paying back my SL...will go from default to pay as agreed in 9 months. I'm at 19% utilization with my 2 CC. 3 inquiries..Getting back to the states middle of the summer. Hoping to only have majority of everything cleaned up.
01-11-2013 06:32 AM
just signed up for some services on here...FICO EQ 642, FICO TU 552, EX 567(FAKO)....again, from previous posts, have made first payments on SL's...have paid off the Eastern ACCT(CA)...disputing the HSBC/LVNV acct....Working on FP, with GW's...not sure how that's gonna work...giving that I stay below 20% util with my open cards, and pay everything on time, what kind of jump am I looking at in 6mo??