Credit Cards Center Credit cards from our partners
Reply
Highlighted
Member
Posts: 9
Registered: ‎10-08-2012
0

My Equifax Negatives

[ Edited ]

This is what United Veterans Home Loans sent me when I was denied a Mortgage. Do you all think its possible to take care of this and raise my score enough to get a loan? The score they pulled was a 587. The cingular PR is a charge off. I tried to call them and the number is in the Dominican Republic, even though I opened the account in Puerto Rico, which is a territory of the United States. Thanks in advance for any advice. I HOLLAWAY I9 Dec-11 09/1/2009 11/1/2008 1116 2 1116 1116 I Credit Mangament I9 Jun-09 Mar-09 773 1 773 773 I ALA GAS CO O9 Dec-11 Mar-10 313 UNK 313 313 I Credit Mangament O9 Mar-11 Oct-10 299 UNK 299 I Cingular PR O9 Jan-12 6/1/2005 07/2007 226 3 226 226 I MAX CU I1 Oct-11 03/2008 10/2011 13999 44 0 0 5 5 1 I VET AFFAIRS I9 Jan-12 01/2008 01/2008 562 3 0 0

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0

Re: My Equifax Negatives

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.

 

I suggest pulling your CRs directly from the 3 CRAs. You can do so for free from annualcreditreport.com once per year. These reports are a little easier to read than a lender's tri-merge report. I also suggest pulling from myFICO. Your myFICO reports will clearly show you what hurts your FICO score the most and will show exactly which accounts are negatively impacting your FICO score.

 

I'd tackle each item with PFDs if unpaid and GW letters if paid. I'd focus on the COs and CAs.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

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. 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.