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Okay, I went ahead and signed up for TC (used the $9.95 month offer -- should have used that for DH's account, too!!! Darn!!) since I've got a shiny new Orchard card coming in the mail soon, and a nice new CJs, too.
Well, I only have ONE installment loan (4 30 days in the past two year, most recent April '08). Nothing else (since the two new TLs aren't reporting yet). But I got a whammy from another CA, two CAs that haven't taken their uglies off (though they said they WOULD) and two fraudulent CAs. All in all, about $500 in collections (including the two that are PAID and supposed to come off as per our agreement, two that are NOT MINE and I have to DV and a new one to the tune of $143 (is mine ... yuck!).
Here's the weird part: since last month AND the new CA whacking me, TC's FAKOs says that my mid is 574 (TU), EQ is 640 (yep, even I can't believe it) and EX is 511. I mean, last month, I was sitting at 600 with TU (the highest, trust me).
I am SO scared to see what my FICOs are. Sure, that one loan reported a brand spanking new payment and lowered my util ... but wouldn't that new ding cost me??
I don't know how many times I've heard that when FAKOs go up, FICOs go DOWN. Yeesh. Please, someone tell me this isn't the end of the world!!
I don't supposed the two new TLs and next months's car payment will offset this latest disaster, will they??
YUCK!!!
Well, I only have ONE installment loan (4 30 days in the past two year, most recent April '08). Nothing else (since the two new TLs aren't reporting yet). But I got a whammy from another CA, two CAs that haven't taken their uglies off (though they said they WOULD) and two fraudulent CAs. All in all, about $500 in collections (including the two that are PAID and supposed to come off as per our agreement, two that are NOT MINE and I have to DV and a new one to the tune of $143 (is mine ... yuck!).
Here's the weird part: since last month AND the new CA whacking me, TC's FAKOs says that my mid is 574 (TU), EQ is 640 (yep, even I can't believe it) and EX is 511. I mean, last month, I was sitting at 600 with TU (the highest, trust me).
I am SO scared to see what my FICOs are. Sure, that one loan reported a brand spanking new payment and lowered my util ... but wouldn't that new ding cost me??
I don't know how many times I've heard that when FAKOs go up, FICOs go DOWN. Yeesh. Please, someone tell me this isn't the end of the world!!
I don't supposed the two new TLs and next months's car payment will offset this latest disaster, will they??
YUCK!!!
It's been the general concensus on here as well as many people in the "loan"
industry that my ficos are the closest a consumer can pull that's the closest
to what ever loan officers pull. I posted on here a while back about a banker
buddy of mine that is trying to convince me that True Credit is more accurate
than My Fico
Ha!! I'm planning on a loan next month so
Ha!! I'm planning on a loan next month soI've made a bet that at the same time I'll also pull my fico and true credit and
see which scores come closest to the actual scores pulled.
Please be sure to post the results of that!
busyone wrote:It's been the general concensus on here as well as many people in the "loan"industry that my ficos are the closest a consumer can pull that's the closestto what ever loan officers pull. I posted on here a while back about a bankerbuddy of mine that is trying to convince me that True Credit is more accuratethan My FicoI've made a bet that at the same time I'll also pull my fico and true credit andsee which scores come closest to the actual scores pulled.
UPDATE: TC had reported my FAKO as being 640 (Oh, I WISH!!). Today, I got a SW alert saying that my EQ FICO went up a whole 5 points! So now, according to FICO (not FAKO), I'm sitting at 540.
A new medical collection JUST popped up a few days ago on TU (which was my strongest score at 572 FICO) and EX (lowest at 528), so I don't even wanna know what it did to THEM.
I'm going to call our insurance company, find out all the OCs and get them paid and HIPPA'd. Hopefully, that will do the trick and I can start moving forward!!
Please wish me luck!! o_O
A new medical collection JUST popped up a few days ago on TU (which was my strongest score at 572 FICO) and EX (lowest at 528), so I don't even wanna know what it did to THEM.
I'm going to call our insurance company, find out all the OCs and get them paid and HIPPA'd. Hopefully, that will do the trick and I can start moving forward!!
Please wish me luck!! o_O
wahmom wrote:
Medicals bills seems to be the worse for me. It seems as if they are never ending. They keep coming. It's hard to stay of top of them.
Our insurance co let's us download all our EOB's (Explanation of Benefits) online. If you have online access, maybe that is an option. That way you will see exactly what the insurance paid and what your portion is. You can also see if they denied the claim for some error on the OC part.
I hope you have that available to you because that will make it a whole lot easier on you.
Oooh!! GREAT idea, Wahmom!! We DO have online access and I TOTALLY forgot about it!!!
That really helps me out BIG time as some of the old medical collections are hubby's and the insurance company won't discuss them with me (privacy laws ... fun, fun, fun). Hubby's going out of town, so it'd be another month (yep, that long!) until he could speak to them.
But if I go online, as you suggested, I can get mine AND his!!
W00t!!W00t!! Thank you SO much, Wahmom!! Yay!!
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