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MyFICO vs. Lenders

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Valued Contributor

My FICO was 575. I should be eligible to buy a house abou...

My FICO was 575. I should be eligible to buy a house about the time the first starship reaches Alpha Centauri. Give or take...
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in a credit-scoring postnuclear Stone Age...
Moderator Emeritus

New World, why do you think its so dire with those scores...

New World, why do you think its so dire with those scores?  Is your score in that range due to a slew of NEW collections? If so the only thing that will help is time but not THAT much timeSmiley Very Happy
Valued Contributor

My collections are always new. They never age. As soon as...

My collections are always new. They never age. As soon as my FICO approaches 600 or so, the collection agencies then RE-report the charge-offs to make it look like I just defaulted a month or two ago. It's the Credit Bureau Fountain of Youth...lol.
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in a credit-scoring postnuclear Stone Age...