So I can get weekly free reports for EX and TU from CreditSesame and CreditKarma? MyFico is equifax but I need to pay for updated reports correct?
Starting Score: 603 - EQ, 534 - TU, 669 - EX FAKOSo, I paid my overdue student loans to Great Lakes financial. And through some miracle I got an email from Credit Karma.... all 3 accounts are now showing current and I got a big bump in my TU - FAKO....
of 56 points... I'll have to see what effect this has on my actual FICO score soon.
Its been awhile since I've updated so I will edit the original post here:
Capital one - Pays as agreed but maxed at 105% ($300 Limit) already paid down to zero
National Grid - 90 days past due $934 overdue - was on payment arrangement. Payed $250/month on autopay but when a bill was higher then normal it broke my agreement without me knowing. Only shows on EQ report
WFFNB - Payment After Charge Off /Collection (last claimed activity 5/2009) No history reported that shows actual lates
Wells Fargo Dealer Services - Bad debt/collection opened 9/2008 closed 4/2009
This was an amount due when I totalled our car but we were upside down without GAP insurance. It also shows a $0 balance and closed/paid? Not sure how to address this. - TransUnion Deleted still waiting EX and EQ
The biggest issue here... my student loans (3 accounts all went late due to some confusion on my part ( I closed bank account that was paying them and thought I had set up via my other bank... I had not... and my contact info was old so I didnt know about this until I checked my scores)
AES/Goal Financial - 60 days past due 3/2013 current May 2013
AES/Goal Financial - 60 days past due 3/2013 current May 2013
AES/Goal Financial - 60 days past due 3/2013 current May 2013
I am now trying to goodwill the AES Lates
Wells Fargo Home Mortgage - 30 days past $4,348 past due On a repayment will be current in July
30 days late60 days late90+ days late
| 1 time (Dec 2012) |
| 1 time (Apr 2009) |
6 times (Oct 2009, Sep 2009, Aug 2009, Jul 2009, Jun 2009, May 2009) |
Wells Fargo - Note Loan - 30 days late from 2009
Bony As Elt For Elabti/G - worst deliquincy lists as 120 days past due but shows ok from 2009 -2011 (sold to AES/GOAL see above in 2011)
Chase mortgage - 30 day late in 2006 sold to wells fargo It is flagged as a baddie by MyFico but shows as below
Recent payment history
12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 112004 2005 2006
 | | | | | | | | | | | | | |  | |  | | | | | |  | |
| Legend: |  Not Open |  Unknown |  Currently paid as agreed |
 30 days late |
Worst Delinquency
| None Reported |
The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO® score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.
|
Capital One CC
Balance Current Status
| $0 | Bad debt/collection |
Seven year payment history
30 days late60 days late90+ days late
| 0 times |
| 0 times |
| 3 times (May 2009, Mar 2009, Feb 2009) |
This shows as charged off
Portfolio Recovery Services -
Balance Current Status Past Due Amount Is to be Deleted by CA (Still waiting to remove from Equifax)
| $99 | 120+ days past due | $99 |
This is for the above Capitol One CC. Just got a letter saying this is paid in full. It has been on auto pay and never late will see how it updates on next report (Portfolio said they will notify CRAs)
Sheffield Financial (ATV loan)
The balance after the repos was paid to a CA but I see nothing noted on my report about it. It does not show on my Equifax report. It was repossesed in 2007 no idea why it shows 90+ late in 2012.
Balance Current Status
| $0 | Repossession |
Marked as paid Reposession on Equifax late history removed
Seven year payment history
30 days late60 days late90+ days late
Any suggestions on any further action I can take to help improve my score?