Reply
Contributor
Posts: 127
Registered: ‎12-11-2012
0

35 point boost, need 5 more to close HELP

Hi guys. My secured CC boosted my credit score 35 points. I only need 5 points to be able to close on my home. I really have a lack of credit. But i do have two medical baddies that didn't get filed on my insurance. I paid them off and was told by BRS that they would have no problem deleting. My broker pulled my report and it is showing a 0 balance but it isn't deleted. I'm not sure if BRS didn't request a deletion or if equifax hasn't deleted yet. Its obviously been reported because the status reports 0 balance. My broker said she would request a deletion and have equifax call BRS to get permission. She said I need to call BRS to give them permission to speak with equifax. Has anyone done this before? I'm wondering how I should handle my convo with the CA. I thought I'd be honest and tellvhet my closing is coming up fast Andorra need a few points. Tell her my broker is going to have equifax call her for permission to delete. I'm not going to mention that it now shows up as paid instead of deleted. I do not want to offend her. It was a billing mistake that caused this not me but i cannot contest it with an impending mortgage. What do y'all think?
By the way i filed with insurance and they paid the oc so now they owe me money.
Contributor
Posts: 127
Registered: ‎12-11-2012
0

Re: 35 point boost, need 5 more to close HELP

Any ideas on getting a quick 5 points? Thanks everyone.
Established Contributor
Posts: 505
Registered: ‎11-05-2012
0

Re: 35 point boost, need 5 more to close HELP

look for some one who have credit card about over 10 years old with 0 balance and never late. ask them add you to AU 4 or 5 long history CC with 0 balance

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
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.