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what do i need to do for a 350?

Established Contributor

what do i need to do for a 350?

does anyone know how horrible your credit has to be to get down to 350-399?  i am thinking about going there and then working my way back up.  just for fun. 
Message 1 of 25
24 REPLIES
Senior Contributor

Re: what do i need to do for a 350?

Given the inherent silliness of the post, and in response only to the subject, I would say bore it out 60 one thousands then install a high rise intake manifold and 4 bbl Holley.

Message 2 of 25
Established Contributor

Re: what do i need to do for a 350?

i am serious about the first part.  not the second part.
Message 3 of 25
Moderator Emeritus

Re: what do i need to do for a 350?



dog wrote:
does anyone know how horrible your credit has to be to get down to 350-399?  i am thinking about going there and then working my way back up.  just for fun. 


This is just a guess on what one's reports might look like with these scores. 
 
BK
Fed Tax Lien
State Tak Lien
Global Tax Lien Smiley Sad  JK
Foreclosures maybe 2
REPO
SL Default
25 CAs
25 COs
DMP that's failing miserably
100 120 day lates
2,000 inqs
0 CC TLs
 
 
Am I forgetting something?
 

 
Message 4 of 25
Established Contributor

Re: what do i need to do for a 350?

and perhaps a failure to return a library book.
Message 5 of 25
Senior Contributor

Re: what do i need to do for a 350?



fused111 wrote:
 
This is just a guess on what one's reports might look like with these scores. 
 
BK
Fed Tax Lien
State Tak Lien
Global Tax Lien Smiley Sad  JK
Foreclosures maybe 2
REPO
SL Default
25 CAs
25 COs
DMP that's failing miserably
100 120 day lates
2,000 inqs
0 CC TLs
 
 
Am I forgetting something?


Use a CRO. Otherwise I think you covered everything.
Message 6 of 25
Senior Contributor

Re: what do i need to do for a 350?



dog wrote:
and perhaps a failure to return a library book.


Believe it or not, library fines and traffic citations are two that will at times go to collections.
 
Message 7 of 25
Senior Contributor

Re: what do i need to do for a 350?

Most of these will get you down into the high 300s.
 
But to really hit that magical 350, you have to pay for MyFico SW via check, and bounce it. Smiley Tongue
 
Message 8 of 25
Established Contributor

Re: what do i need to do for a 350?



Noah_Bodie wrote:

Believe it or not, library fines and traffic citations are two that will at times go to collections.
 



i knew about library fines going to collections, i have even heard of them going under public records.  i didnt know about the traffic tickets going to collections....glad i havent had any since that last one i didnt pay in '95 and spent 48 hours in the can for driving on a suspended license. Smiley Surprised
Message 9 of 25
Senior Contributor

Re: what do i need to do for a 350?



dog wrote:
 
i knew about library fines going to collections, i have even heard of them going under public records.  i didnt know about the traffic tickets going to collections....glad i havent had any since that last one i didnt pay in '95 and spent 48 hours in the can for driving on a suspended license. Smiley Surprised


Unpaid traffic tickets can haunt seemingly forever.
 
I would say hunt around your state's statutes and see what you can find. From '95, they may or may not have records, particularly if it ended at the courthouse and never made it to the DMV. Probably do NOT wanna call DMV and ask. You might resurrect a zombie.
 
Message 10 of 25