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Shogun
Posts: 7,646
Registered: ‎04-15-2011

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?  


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guiness56
Posts: 14,581
Registered: ‎01-17-2008

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
Shogun
Posts: 7,646
Registered: ‎04-15-2011

Re: How to deal with MCM/Midland Funding

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


Starting Score: 504

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guiness56
Posts: 14,581
Registered: ‎01-17-2008

Re: How to deal with MCM/Midland Funding


Shogun wrote:

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


Lol!

Established Member
BrownBee
Posts: 67
Registered: ‎02-12-2013

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)
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guiness56
Posts: 14,581
Registered: ‎01-17-2008

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.

Established Member
BrownBee
Posts: 67
Registered: ‎02-12-2013

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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Established Member
BrownBee
Posts: 67
Registered: ‎02-12-2013

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)
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DaBears
Posts: 2,118
Registered: ‎10-26-2012

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.

Established Member
BrownBee
Posts: 67
Registered: ‎02-12-2013

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)
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