Reply
Regular Contributor
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
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
Posts: 6,182
Registered: ‎03-29-2007
0

Re: What are my options?

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

Re: What are my options?

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

Re: What are my options?

Which cards do you have now?
Regular Contributor
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.
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.