Credit Card Center Advertiser Disclosure

New Contributor
Posts: 71
Registered: ‎07-23-2007
0 Kudos

I am a newbie to this website and I am totally addicted!...

I am a newbie to this website and I am totally addicted!  Today I start my journey to have a 700+ score.  I pulled my scores off of myfico and I have the following:
Transunion- 573
Equifax- 534
I have mailed all GW letters to past and current creditors.  I have two collections that I am working on today. I will send a PID letter to this one creditor.  The other is a student loan that I thought had been consolidated.  I have no BK's and no judgements.  I believe what is really keeping me down is the balance on credit cards.  I am an AU on a credit card that is over its limit. 
 My questions to experts:  How long do you think it will take me considering all items are current and up to date by the end of July.  Also, starting in Sept isn't fair issac changing the way they treat AU's?  I also disputed the account that I am currently on to see if they will remove the information about me being the authorized user!
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0 Kudos

Re: I am a newbie to this website and I am totally addicted!...

Congrats and Welcome!
More info on upcoming AU changes:

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.