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Trying to purchase a 2012 Honda Accord $16,000.
The dealer I am going to purchase car from uses Equifax. I have a 491 score as of 12/15/13 on Wells Fargo credit monitoring system. This was before I paid down my credit to 46% util.
With Equifax credit monitoring I had a 515 before I paid credit card down and now 571 since I paid card down. I ordered score today with myfico and I have a 486 score with equifax. I am totally confused on which score to go by how will i know true score??? I need at least 600 to get interest rate in the teens.
I have 6 accts in collection. I paid off one and another is $0 balance. Both will be deleted within 30dys. That leaves 4 collection accts all are under $415 and accts anywhere from 2-6yrs old.
I have a student loan of $2650 its close to limit so i started making payments towards it to help with score this hasn't been reported yet. This account and my $500 limit at 46% util CC limit is the only open accts I have.
What else can I do to drastically boost my score? All the sites say I dont have enough variety of accounts. I have 8 inquiries with equifax too. I disputed them some are duplicates.
@tisha130 wrote:Trying to purchase a 2012 Honda Accord $16,000.
The dealer I am going to purchase car from uses Equifax. I have a 491 score as of 12/15/13 on Wells Fargo credit monitoring system. This was before I paid down my credit to 46% util.
With Equifax credit monitoring I had a 515 before I paid credit card down and now 571 since I paid card down. I ordered score today with myfico and I have a 486 score with equifax. I am totally confused on which score to go by how will i know true score??? I need at least 600 to get interest rate in the teens.
I have 6 accts in collection. I paid off one and another is $0 balance. Both will be deleted within 30dys. That leaves 4 collection accts all are under $415 and accts anywhere from 2-6yrs old.
I have a student loan of $2650 its close to limit so i started making payments towards it to help with score this hasn't been reported yet. This account and my $500 limit at 46% util CC limit is the only open accts I have.
What else can I do to drastically boost my score? All the sites say I dont have enough variety of accounts. I have 8 inquiries with equifax too. I disputed them some are duplicates.
myFICO.com is the only place to get your FICO scores (unless an approval/denial letter) The dealership may be using an auto enhanced FICO though. The Wells Fargo and EQ credit monitoring scores are just FAKO's
Continue to pay down your CCs. You'll want all but one of your cards at $0. The last card you want to have a balance of 1% - 9%.
Write a PFD to the CAs that want money from you and write GW letters to the CAs you've paid.
The only thing that's fast about raising a score is lowering your utilization. The rest of it you may have to suffer, but some of it may come off quickly.
Scores | 2013-09-21 | Current |
Equifax | 630 (LP) | 755 (CK)/749 (Quizzle) |
Experian | 640 (FCR) | FICO 707 (Amex) |
TransUnion | 588 (CK) | FICO 754 (Barclaycard) |
myFICO.com is the only place to get your FICO scores (unless an approval/denial letter) The dealership may be using an auto enhanced FICO though. The Wells Fargo and EQ credit monitoring scores are just FAKO's
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