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Okay what the heck?

Frequent Contributor

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

Message 1 of 6
5 REPLIES
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 6
Frequent Contributor

Re: Okay what the heck?

NO, it seems like they are reporting them Montlhly Smiley Sad

 

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

Message 3 of 6
Established Contributor

Re: Okay what the heck?

Have you tried to offer a PFD for it?  

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Message 4 of 6
Frequent Contributor

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

Message 5 of 6
Highlighted
Valued Contributor

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
Message 6 of 6