Reply
Regular Contributor
JemiBlue
Posts: 109
Registered: ‎06-13-2007
0

What are my options?

I need some positive credit in my name, but I am not sure what (if any) my options are.  Here are my scores:
 
Experian-581
Equifax-562
TransUnion-542
 
Any advice would be greatlly appreciated.  Thanks.
Established Contributor
TexMontana
Posts: 678
Registered: ‎05-29-2007
0

Re: What are my options?

Try:
Pretty decent company by my own experience...
" I like to live as a poor man, with a lot of money." - Pablo Picasso (who was a jerk.)
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: What are my options?

Which baddies? These are your myFICO scores right?
Regular Contributor
JemiBlue
Posts: 109
Registered: ‎06-13-2007
0

Re: What are my options?

Old collection items.  A couple of recent 30-day lates on cards I'm an AU on (very stupid-the lates I mean).  One charged off cc from 2001.
Regular Contributor
JemiBlue
Posts: 109
Registered: ‎06-13-2007
0

Re: What are my options?

I don't know whether they are myFICO or not.  I got the scores from the 3-in-1 report thing I signed up for that shows the three credit scores and all your other credit info.
Regular Contributor
JemiBlue
Posts: 109
Registered: ‎06-13-2007
0

Re: What are my options?

Someone-----anyone!?!?!?
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: What are my options?



JemiBlue wrote:
I don't know whether they are myFICO or not.  I got the scores from the 3-in-1 report thing I signed up for that shows the three credit scores and all your other credit info.



Doesn't sound like myFICO scores if it was 3-in1. Which means you don't know your scores. You should pull all three from myfico.com before applying. I will PM you a discount code.
Regular Contributor
JemiBlue
Posts: 109
Registered: ‎06-13-2007
0

Re: What are my options?

Thank you so much.  Here are my myfico scores:
 
TransUnion-524
Equifax-522
Experian-602
 
Any options for me?
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: What are my options?

Which cards do you have now?
Regular Contributor
JemiBlue
Posts: 109
Registered: ‎06-13-2007
0

Re: What are my options?

I am an AU on the following:  Discover, CL $6,000, bal. $173; 4 Chase cards, 3 with $1,000 CL, one with $500 CL, all balances 0 except one $1,000-its balance is $464; B of A, $1,500 CL, bal $550, B of A, CL $500, bal. $132; AMEX, $1,200 CL, bal. $999 BUT it we recently paid these cards way down and shortly thereafter the CLs were lowered to what I have shown here.  There were a couple of payments that went 30-days late.  I have nothing in just my name.

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+
}