My fico transunion and experian are 645. A lender pulled my score and said they are both 599! I know they use a different scoring model but what are they using? How do I know when my credit gets up there?
I have 4 collections and a balance on a credit card which I will have at least two collections removed and the CC paid off. Will this be enough?
They said a 2007 charge off hit my report again for some reason.
What do I do?
A chargeoff hit your report again? Did you get it off of there before? Was it disputed before? Did the CRA send you verification that this was added back to your CR?
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
NO, it seems like they are reporting them Montlhly 
I disputed these back in July and they all came back verified. OMG I am married to these things.
| Date Reported: | 10/2012 |
| Date Assigned: | 02/2008 |
| Creditor Classification: | Medical/Health Care |
| Creditor Name: | RUSSELL D D S INC |
| Account Number: | 840XXXX |
| Account Owner: | Individual Account. |
| Original Amount Owned: | $564 |
| Date of 1 st Delinquency: | 03/2007 |
| Balance Date: | 10/2012 |
| Balance Owned: | $564 |
| Last Payment Date: | |
| Status Date: | 10/2012 |
| Status: | D - Unpaid |
| Comments: | Consumer disputes this account information, Medical |
I am working on that now.
Some things are in the way of me paying them but it will probably be till the end of the month. There are 4 of them actually, collections that is.
I must be new at copying and pasting.
