Credit Card Center Advertiser Disclosure†
05-30-2008 12:37 PM
05-30-2008 12:42 PM
05-30-2008 02:22 PM
05-30-2008 02:25 PM
05-30-2008 03:42 PM
05-30-2008 05:02 PM
tiff, these items are what's keeping your score down. You should add a few more cl's to help but nothing will help more until those age off.
tiff wrote:The only baddies I have is listed below:1. 90 late 9/06 student loan2. mortgage where foreclosure was started but cancelled. I've been current for 6 months now3. car repo - but was paid 8/2006. date of 1st delinq is 9/2003. On equifax it's still listed as a bad debt charge off4. late payments on a previous mortgage in 2006, paid and closed
05-30-2008 09:34 PM
It's not that I don't qualify for any of the others....With a 660 I'm assuming that I could get any card now. I have not tried because the simulator says added another cc might decrease my score.
05-30-2008 09:43 PM
The only baddies I have is listed below:1. 90 late 9/06 student loanIs this account still open, if so I would send GW on this. It will be 2 in September, so might get a small increase then.2. mortgage where foreclosure was started but cancelled. I've been current for 6 months nowIf it is reporting as a foreclosure on your CR, try to get the company to remove. I do not know exactly how that works when foreclosure had began but you get it paid up before it happens.3. car repo - but was paid 8/2006. date of 1st delinq is 9/2003. On equifax it's still listed as a bad debt charge offDoes it say paid or showing a balance?4. late payments on a previous mortgage in 2006, paid and closedYou can try GW. However, if this is an older account or your oldest account(you don't state when it was opened) the company could delete all together and that might actually hurt you more than having it there with the lates.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.