Reply
Frequent Contributor
jaguls66
Posts: 356
Registered: ‎06-06-2007
0

Re: Scores won't budge

true, true. I thought maybe since I have so very many baddies, and currently no good TL but child support, my scores might not be budging.

I guess I will continue to dispute, PFD, GW, and generally try to dig myself out.

Any chance I may be able to get my scores up by 40 or so points by opening 2 CC's and paying them good. I am needing to get a new set of wheels in Jan.
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Scores won't budge



jaguls66 wrote:
true, true. I thought maybe since I have so very many baddies, and currently no good TL but child support, my scores might not be budging.

I guess I will continue to dispute, PFD, GW, and generally try to dig myself out.

Any chance I may be able to get my scores up by 40 or so points by opening 2 CC's and paying them good. I am needing to get a new set of wheels in Jan.


I would think so!
Regular Contributor
dekrist
Posts: 170
Registered: ‎03-04-2007
0

Re: Scores won't budge

With the drop offs and the added baddie your scores probably just offset each other, I recently had a baddie drop off and only got a 3 point increase. I've concluded that since it was old it had very little impact on my score but the fact that it is gone is the major point. Keep disputing your baddies try PFD's etc. and remember your not going to see any overnight success, correcting your Credit is a long process that only time and dedication can do. Good Luck to you.
Valued Contributor
TheNewWorldMan
Posts: 2,374
Registered: ‎03-15-2007
0

Re: Scores won't budge



jaguls66 wrote:
true, true. I thought maybe since I have so very many baddies, and currently no good TL but child support




That's your problem.

Without positive TLs, you have nothing to offset the baddies.

I would recommend you get two credit cards, even secured ones if need be. To see real improvement, you must have at least one positive TL, preferably three or four. Get them, and by late autumn your scores WILL go up.
- - - -
in a credit-scoring postnuclear Stone Age...
Frequent Contributor
jaguls66
Posts: 356
Registered: ‎06-06-2007
0

Re: Scores won't budge



TheNewWorldMan wrote:


jaguls66 wrote:
true, true. I thought maybe since I have so very many baddies, and currently no good TL but child support




That's your problem.

Without positive TLs, you have nothing to offset the baddies.

I would recommend you get two credit cards, even secured ones if need be. To see real improvement, you must have at least one positive TL, preferably three or four. Get them, and by late autumn your scores WILL go up.


I have gotten 1 secured CC and will be adding a second as quickly as I can. Finally saw a little jump in points. TU up 1, just updated amount of child support, and last payment date. EQ, duplicate fell off last week, 12pt jump this a.m. FAKO, but i'll take it.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+