Reply
Established Member
Posts: 13
Registered: ‎02-10-2009
0

I am obsessed.....Help please!!!

I cannot stop reading about how to improve my credit score. I had 3 credit cards I paid off and 3 medical accounts I paid off. I am a single mom and I really want to buy a house soon. My tu score is 544 I called and paid Portfolio for two credit cards and they only took money out for one. I don't know why. I just want to make it all better. I have good payment history on my car and a secured credit card. I don't qualify for any other type of credit. What can I do to make it all better. I can't stop thinking about it and trying to find a solution.I have a nice amount in savings...about 5000. Please Help if only to ease my mind.

New Contributor
Posts: 58
Registered: ‎12-26-2008
0

Re: I am obsessed.....Help please!!!

Its Ok, with time and patience your score will gradually come up.  I too am in your shoes and I know it gets pretty frustrating that your scores don't rise as quick as they fall but as long as you keep practicing good credit habits that you pick up on this site eventually you will get there.  I just started this process 2 months ago and I have jumped 36pts by just paying down my cards and I'm in the process of disputing items which I have had some success like 6 deletions on TU 5 on EX and haven't recieved my results from EQ yet but I hope after they update my score will increase again.  Its all about patience now and being consistent.  Don't worry you'll reach your goals  Good Luck to you!!!
Starting Score: EQ - 450 TU - 429 (12-24-2008)
Current Score: EQ - 680 TU - 741 (09-11-2010)
Goal Score: 815
Established Member
Posts: 13
Registered: ‎02-10-2009
0

Re: I am obsessed.....Help please!!!

Thank you, I just got a dispute back and it is being deleted YES!!!! That means I will jump again. Transunion says that this was my last dispute....what is that about? My score has went up 20 pts since I started this in December. I just found these boards last week and am soo thank full, just impatient.

 

 

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.