01-16-2012 07:06 AM
01-16-2012 07:17 AM
Check the source of your scores. ScoreWatch only offers an EQ FICO and you can't purchase your EX FICO from anywhere without the help of a lender. You can only buy your EQ FICO from a lender, myFICO, or from a couple of links within Equifax.com. You can only buy your TU FICO from myFICO or your lender. And you cannot buy your EX FICO from anywhere, without the help of a lender. There are some banks and CUs that offer FICOs as well as part of a benefit. For example, PSECU offers an EX FICO. DCU, M&T Bank, and Unitus CU offers an EQ FICO. And you can get a TU FICO from Wal-MArt iuf you happen to have one of their CCs.
Don't dispute stuff. It makes it harder to come off sometimes. Send a GW to the paid collections instead.
You can try a GW on the short sale.
Mail a DV to Affiliated. If they verify and agree, then send a PFD.
For the medical, send a DV and if they verify and you agree, then send a PFD. Or follow the HIPAA process by paying it off with the doctor first.
Send a GW for the paid medical baddie.
Send GWs on the lates.
Stop disputing! Bad things can come of it.
I recall your other post on SunTrust, again, I wouldn't send a GW out of risk of a TL deletion.
Points are always possible.
01-16-2012 05:11 PM
01-16-2012 05:26 PM
IIRC, the Suntrust was closed with 30 day lates? Sometimes GWing can result in a closed account's demise. Doesn't always happen, but there's a chance. If this account is one of your oldest, then the risk exists for a score drop of they delete the entire TL instead of the lates. Also, FICO largely ignores 30 day lates after 2 years. YMMV on your credit.
01-16-2012 05:30 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO