Reply
Highlighted
Community Leader
Super Contributor
Posts: 6,659
Registered: ‎03-06-2010
0

Re: Almost there I can taste it!!!


ProudMomof5 wrote:

So does it depend on what company pulls the credit report because my mid score is from Transunion.  That sucks because that's my lowest score and I'll really have to bring my score up alot.


It doesn't matter which report is the mid-score. Your lender will pull the report from their system and they will go off of the mid-score from their system. Have you spoken to a lender or are you in the preparation phase?

Contributor
Posts: 81
Registered: ‎11-05-2008
0

Re: Almost there I can taste it!!!

Yes, I had a lender pull my credit and my scores where Experian 623, Transunion 580 and Equifax 610.  The only thing I can think of that's pulling that score down is a collection for $250 for a ticket.  I wonder if I can get them to remove it if I do a PFD would it bring my score up.  I need to make sure they weren't included in my Chapter 13 before I call them and even think about paying.

Contributor
Posts: 76
Registered: ‎05-01-2012
0

Re: Almost there I can taste it!!!

@ ProudMomof5

 If that's the case then you're mid score would be 610 with equifax, you're low score would be 580 and you're high score would be 623.

Regular Contributor
Posts: 195
Registered: ‎01-05-2012
0

Re: Almost there I can taste it!!!

Congrats on getting the points! I was in the same boat and what increased my score in less than a month was 1) Time (a few baddies aged to 4 years) and 2)paying my 2 CCs to under $10/each. I tried the 1 card at zero, other at $10, but Idk, that's what worked for me
Starting FICOs (2/2012): EQ 559 TU 558
Current FICOs (EX and TU Lender pulled 10/6/12): EQ 652 TU 635 EX 647
Matthew 7:1 KJV
Judge not, that ye be not judged.
Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
0

Re: Almost there I can taste it!!!

Good Luck!!! just get mentally prepared for all kinds of bumps in the road (the will happen) but its so much worth it in the end.

ccpics2.jpg
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.