Reply
Frequent Contributor
Posts: 349
Registered: ‎07-06-2012
0

Okay what the heck?

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?



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Moderator
Posts: 13,761
Registered: ‎04-15-2011
0

Re: Okay what the heck?

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?



Starting Score: 504




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!
Frequent Contributor
Posts: 349
Registered: ‎07-06-2012
0

Re: Okay what the heck?

NO, it seems like they are reporting them Montlhly :smileysad:

 

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


Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Established Contributor
Posts: 584
Registered: ‎07-20-2008
0

Re: Okay what the heck?

Have you tried to offer a PFD for it?  

Filed for Chap 7 4/22/15
Frequent Contributor
Posts: 349
Registered: ‎07-06-2012
0

Re: Okay what the heck?

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.



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
0

Re: Okay what the heck?

Where did you get your EX from? MyFICO uses a TU98 where most lenders use the TU04 model

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.