12-08-2012 06:14 PM
Just got alert that Barclay has added acount to all my credit reports. They are no joke! Whatever happen to when the first statement cuts? Thank goodness it didn't affect my score.
12-14-2012 04:03 PM - edited 01-04-2013 05:31 PM
Got a Credit Alert that new student loans are reporting. Didn't affect my score
01-03-2013 02:50 AM - edited 01-07-2013 02:08 PM
Decided to do updates monthly without editing original post. Edited to add accomplishments for December 2012 and Apple Credit Union Denial
The only baddie I have besides IIB accounts that is hurting my score is rehabilitated student loan. This is effecting my 700 goal post 2 year filing.
Still have not updated my credit scores. Will be contacting to see the update.
Right now my credit report has the following negative factors
Student loans lates (last late April 2012) in-school forbearance now
Student loan collections (waiting for rehabilitation completion to report) Still waiting......
Inquires: Last hard pull December 5, 2012
Inquires less than 12 months old:
Tranunion: 2 ( both a year old in December 2013)
Equifax: 9 (7 will be a year in April 2013. 2 will be a year old in June 2013
Experian: 6 (3 will be a year in April 2013. 3 will be a year old in June 2013
01-04-2013 05:18 PM - edited 01-04-2013 05:26 PM
Grest job! What was FICO score when you got your Apple Visa?
According to myfico it was 628. On the letter from Barclay it was 632.
edited to state they pulled TU
01-04-2013 06:25 PM
Yeah I have read tons of threads on it. I was planning on letting it grow for a few months. Would like just one more card to keep three revolving credit cards and close my secured card.
01-05-2013 07:11 PM
Just got a Equifax alert that one of my student loan accounts now show "paid as agreed", but the other one is still reporting collection. I guess I am going to have to contact Nelnet to let them know they are missing an account.
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.