I was wondering why the HIPAA process worked immediately for some people and not for others? I am about to embark on this process and would appreciate any advice!!!!
Starting Score: EQ 564, TU 560
From my understanding, the HIPPA process is becoming less effective. The CAs are adapting to it's process.
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.
I thought it was the cra's that it was used for??
The HIPPA process worked because of the information that was sent to the CAs. They've now watered down the info so the information is not in violation.
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.