01-16-2013 08:14 AM
good morning again
I am fairly new to this'lls so I do have a fe questions about your post what is a non PP- letter? FA? EQ?
I will accept this as a lesson for future as its too late now. I already disputed with Equifax.
Hoping it doesn't bite me in the bum.
Check these out:
Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.
What Steps Do I Take - great for learning the repair process.
and Example letters - PFDs, GWs, DVs, etc.
Non-PP = non-permissible purpose letter for inquiries):
FA = fraud alert
EQ = Equifax
02-08-2013 08:31 AM
Kind of on the same subject of inquiries:
What happens if a credit co says they are reviewing my credit report based on TU, I ask for a recon, they say the same thing, and then I find out later when I look at my credit monitor that they pulled TU and EX? Can I dispute the EX? They never disclosed to me over the phone that they pulled EX, and I spoke to them on 3 separate occasions...
02-08-2013 09:31 AM
02-08-2013 02:47 PM
03-06-2013 01:15 PM
That's really good to here.keep up the good work and the scores just get better and better!
03-06-2013 01:21 PM - edited 03-06-2013 02:48 PM
wow... congrats! on your journey - take care of your new card - cheers
Edit: old post, to OP: better late than never - cheers
03-06-2013 02:54 PM
So I started 1 year 3 months ago, 27 negative items.. Credit score 554.
Today I pulled it: nothing left, 9 inquirys removed..725 Experian, 720 EQ and TU don't know but assume much higher being that it is TU.
all I have had up until now is secured cards $300 CL's so when I got an offer for a credit card with Citibank, 18 months no interest, cash back, 12.99% I interest I thought I'd be lucky to get a $500 CL. They came back with $6500.00 I'm feeling a bit like an adult now, little nervous but I earned this. It was a lot if work but it paid off.
Thanks everyone for your help this last year.
This board has been invaluable.
You've arrived!!!! Best be sure to treat that limit well and you'll be celebrating a lot more in the future!!! Congrats!
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO