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Moderator
Posts: 13,761
Registered: ‎04-15-2011
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Re: How to deal with MCM/Midland Funding

    Start with pulling your FREE CR's from (ACR) annualcreditreport.com . they tend to have more info on them, then ones from a 3rd   party.   The CR's from ACR, come directly from each of the CRA's. You can pull 1 Free CR from TU,EQ and EX every 12 months.

 

   Save your money and Don't Buy the Scores, they are what we call FAKO's.

 

Have you pulled your direct free ones yet?  



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
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Re: How to deal with MCM/Midland Funding

Have you ever got your free credit reports from annualcreditreport.com?  You get one free from each CRA once every 12 months.

 

Yes, you could use the denial to get a free one too. 

Moderator
Posts: 13,761
Registered: ‎04-15-2011
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Re: How to deal with MCM/Midland Funding

:smileyhappy:  Finally typed one faster than guiness,,  OK,, I used a macro.  :smileyhappy:



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: How to deal with MCM/Midland Funding


Shogun wrote:

:smileyhappy:  Finally typed one faster than guiness,,  OK,, I used a macro.  :smileyhappy:


Lol!

New Contributor
Posts: 67
Registered: ‎02-12-2013
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Re: How to deal with MCM/Midland Funding

I pulled my free annual scores in Oct. 12. Gotta wait to pull them again. **sigh**

 


Starting Score: 02/2013 606(TU-myFICO); 647(EQ-CreditExpert); 578(EX-CreditExpert)
Current Score: 02/2013 606(TU-myFICO); 647(EQ-CreditExpert); 578(EX-CreditExpert)
Goal Score: 650 TU, EX, EQ


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Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
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Re: How to deal with MCM/Midland Funding

You can still use the denial letter to get one from the CRA they used.  This can be done from annualcreditreport.com also.

New Contributor
Posts: 67
Registered: ‎02-12-2013
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Re: How to deal with MCM/Midland Funding

Cool, thanks! I'm setting that in motion now.

 


Starting Score: 02/2013 606(TU-myFICO); 647(EQ-CreditExpert); 578(EX-CreditExpert)
Current Score: 02/2013 606(TU-myFICO); 647(EQ-CreditExpert); 578(EX-CreditExpert)
Goal Score: 650 TU, EX, EQ


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New Contributor
Posts: 67
Registered: ‎02-12-2013
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Re: How to deal with MCM/Midland Funding

Equifax is charging $7.00 for the FICO score. Is this right?


Starting Score: 02/2013 606(TU-myFICO); 647(EQ-CreditExpert); 578(EX-CreditExpert)
Current Score: 02/2013 606(TU-myFICO); 647(EQ-CreditExpert); 578(EX-CreditExpert)
Goal Score: 650 TU, EX, EQ


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Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
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Re: How to deal with MCM/Midland Funding

The score they are charing you is a FAKO score. I believe Equifax stop selling Fico scores to consumers back in 2009.

New Contributor
Posts: 67
Registered: ‎02-12-2013
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Re: How to deal with MCM/Midland Funding

What now, then? Trans Union also had a $7.95 fee for their FICO/FAKO score too. Should I just go ahead and get the reports, and work from them? I'd really like to know what my true FICO scores are at this point, so that I can accurately monitor my progress. :smileyhappy:

 


Starting Score: 02/2013 606(TU-myFICO); 647(EQ-CreditExpert); 578(EX-CreditExpert)
Current Score: 02/2013 606(TU-myFICO); 647(EQ-CreditExpert); 578(EX-CreditExpert)
Goal Score: 650 TU, EX, EQ


Take the myFICO Fitness Challenge
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