Reply
Contributor
Posts: 75
Registered: ‎07-13-2007
0

I just dont get it!!!!confused HELP

Okay I pulled my credit and my scores went up alote since a few weeks ago.
 
Old scores
Ex 582
EQ 515
Trans 520
 
New Scores
EX 652
EX 568
Trans546
 
I tryed to apply for some credit cards and they all (sorry we will mail you a letter within 30 days)
 
I have paid everything that was a charge-off and Judgement and kept my account current every month> I did open a secured BOA and only use 9 percent of 500.00 and pay if off each month
 
This is what is on my report
 
HSBC  date opened 3/2000 bal $0.00          Account Transferred to another office
 
Cap One Bk   date opened 8/2001 bal 0.00  Paid account/ws a charge off
 
Bank of America date opened 6/07 bal 0
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: I just dont get it!!!!confused HELP



wolf69 wrote:
Okay I pulled my credit and my scores went up alote since a few weeks ago.
 
Old scores
Ex 582
EQ 515
Trans 520
 
New Scores
EX 652
EX 568
Trans546
 
I tryed to apply for some credit cards and they all (sorry we will mail you a letter within 30 days)
 
I have paid everything that was a charge-off and Judgement and kept my account current every month> I did open a secured BOA and only use 9 percent of 500.00 and pay if off each month
 
This is what is on my report
 
HSBC  date opened 3/2000 bal $0.00          Account Transferred to another office
 
Cap One Bk   date opened 8/2001 bal 0.00  Paid account/ws a charge off
 
Bank of America date opened 6/07 bal 0


Which CCs did you apply for? Do you know which CRA's were pulled for each application?  
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Contributor
Posts: 75
Registered: ‎07-13-2007
0

Re: I just dont get it!!!!confused HELP

I applied for blue sky amex I heard they just pull experian, I also applied for chase, turned down and I applied for bp gas card aslo turned down.
 I have to judgements that are on my account  that are both paid.
tranUnion show one of them not being paid so Iam disputing it. Equifax reports just one and it shows paid and Experien show no judgements on the report.
Now I did have alote of stuff in collections and they are all paid off. I just dont know what else to do. Iam trying to get a few more cards. I will only use 9 percent of the bal. to bring up my scores>I need to refi my home soon. Iam just trying to up the scores Any suggestions? I dont want to keep applying and getting turned down. because it will lower my score.
Thanks alote
Contributor
Posts: 75
Registered: ‎07-13-2007
0

Re: I just dont get it!!!!confused HELP

ps I did use "who gave me credit" I look at all the time.
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: I just dont get it!!!!confused HELP

Since your baddies are paid, all you can really hope for are successful GW letters. It's worth a shot!
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Contributor
Posts: 75
Registered: ‎07-13-2007
0

Re: I just dont get it!!!!confused HELP

So I send out GW letters asking them to remove the neg off of my credit report. I did send out some of them but have not heard anything yet. thanks for your help.
cathy
Valued Member
Posts: 34
Registered: ‎07-26-2007
0

Re: I just dont get it!!!!confused HELP

just out of curiousity, who do you exactly send the GW letters to? the CRAs or to the actual credit card company? Still trying to figure all this out. Thanks Smiley Happy
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: I just dont get it!!!!confused HELP



ctjulie wrote:
just out of curiousity, who do you exactly send the GW letters to? the CRAs or to the actual credit card company? Still trying to figure all this out. Thanks Smiley Happy


Send GW letter to the parties who are reporting the negatives that are paid. Not the CRA's. 
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Contributor
Posts: 75
Registered: ‎07-13-2007
0

Re: I just dont get it!!!!confused HELP

I sent them out to capial one and countrywide, I also sent some of them out the the collection companys but have not hear anything yet. countrywide said no and I have not heard from capital one.
The collection companys have not yet to respond. Today I did send out a GW to tranUnion on seeing if they would remove the judgements.
thanks
Cathy
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 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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.