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Need 4 points! Help STAT!

Moderator Emeritus

Re: Need 4 points! Help STAT!


guiness56 wrote:

FICO doesn't like to see all your CC reporting a 0 balance.  Have at least one report at 9% or less.


This one!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 11 of 45
Regular Contributor

Re: Need 4 points! Help STAT!

OP I sent you a PM with the Time Warner Cable CEO email address maybe you could send a GW and have them request that the CA remove the $17 entry.


Starting Score: 433
Current Score: 700
Goal Score: 750


Take the FICO Fitness Challenge
Message 12 of 45
Member

Re: Need 4 points! Help STAT!

Thanks! Would this work even if the 17.00 collection is with a collection agency??

 

Katfshh

Katfshh
616-Equifax -lender pulled 2/8/13 - SAME AS MY FICO
644-Equifax - lender pullled 2/27/13 -SAME AS MY FICO

633-Experien-lender pulled 2/8/13

595-Transunion-lender pulled 2/8/13
Message 13 of 45
Epic Contributor

Re: Need 4 points! Help STAT!

Depends on whether they own it or are assigned it.

 

A PFD is for who is reporting the TL.

Message 14 of 45
Regular Contributor

Re: Need 4 points! Help STAT!

When I contacted the CEO my account was in collections with a CA. I had a callback within 2 hours after sending the email. Just explain your situation in the email..They were very helpful. I paid the account and they had the CA deleted within 2 weeks.


Starting Score: 433
Current Score: 700
Goal Score: 750


Take the FICO Fitness Challenge
Message 15 of 45
Member

Re: Need 4 points! Help STAT!

OK, I sent the email to the CEO. Thank you! It's Saturday, so I guess I would know if it works on Monday! Smiley Happy I hope so!! 

 

Katfshh

Katfshh
616-Equifax -lender pulled 2/8/13 - SAME AS MY FICO
644-Equifax - lender pullled 2/27/13 -SAME AS MY FICO

633-Experien-lender pulled 2/8/13

595-Transunion-lender pulled 2/8/13
Message 16 of 45
Valued Contributor

Re: Need 4 points! Help STAT!

Couple of things...

 

First, do not apply for any credit cards or anything right now or before you close, that will only hurt your score. The inquiry will hurt you and then the brand new account will make your Average Age of Accounts lower.

 

Second, how old are the open accounts that you have? How old was the account that you are disputing? When you dispute an account, I believe it takes it out of being factored into the score while in dispute, and even though it was a negative account, the fact that it old may not have been hurting your score and could actually have been helping it by giving you a longer Average Age of Accounts. Which bureaus did you dispute it with? Ive found that some are very quick to do their investigations, like a week or less, while others take up to 30 days.

Message 17 of 45
Epic Contributor

Re: Need 4 points! Help STAT!

CA accounts are not supposed to be taken out of score factoring.  Sometimes they are if they are reported incorrectly.

Message 18 of 45
Member

Re: Need 4 points! Help STAT!

It was a collection with Time Warner for 17.00. I never even heard about it. I had switched to Direct TV and apparently, had a balance with TW. I would have never avoided 17 .00 bucks. Ugh. 

 

I probably just blew it. I just went and disputed a few other things on my report. I guess I will see tomorrow if it hurts me. I haven't applied for anything new. I just cannot believe that 4 points is going to make or break me. I did notice that my Visa Card upped my limit last month from 500.00 to 700.00. It doesn't show that new limit on my report. I would think that might be worth a few points. Time is the problem here. We should be applying for the loan and getting the appraisal by now. And because of my score we haven't done that yet. So, I either have to get the score up right now, or back out. I don't want to back out. I have to move, the house I currently rent is up for sale, so either way I have to move. The prices are climbing quickly and I can only  qualify for 365,000. The home I have in escrow is 345,000. One just like it was sold to a cash buyer last week for 355,000. j

 

4 stinking points. Ugh. 

 

I do have a few 30 day lates and one student loan with a few 90 day lates in the last few years, both of those accounts have a zero balance. 

 

 

Katfshh
616-Equifax -lender pulled 2/8/13 - SAME AS MY FICO
644-Equifax - lender pullled 2/27/13 -SAME AS MY FICO

633-Experien-lender pulled 2/8/13

595-Transunion-lender pulled 2/8/13
Message 19 of 45
Valued Contributor

Re: Need 4 points! Help STAT!

Why did you go an dispute a bunch of items after the loan officer said not to? From my understanding, you cannot have any accounts under dispute when applying for a mortgage, you will not get approved if you do, you'll need to wait until they are no longer in dispute to continue I believe.

Message 20 of 45