12-19-2012 05:40 AM
Thank you all here for your advice. I was on 623, now on 735!!! Delighted, thanks to myfico! Got the one collection deleted and got a secured card from cap1
12-19-2012 05:46 AM
Congrats!
Movin' on up!!
12-19-2012 07:00 AM
Congrats!! HUGE improvement! Was that in just a little over a month??
12-19-2012 07:16 AM
Good god, nice boost!
| Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013 | 700 Club | AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800 |
12-19-2012 07:23 AM
A month's work there alright, Experian FAKO is 725 and credit karma FAKO is 635? Anyway the Fico score is what matters I guess!
12-19-2012 07:45 AM
Can you tell us what you did to get eras deleted? & congrats!
12-19-2012 08:13 AM
Sent a PDF to the collection agency. Think they agreed as I caught them reporting shadow payments!
12-19-2012 08:28 AM
Awesome job, congrats!!!
Starting Score: 50412-19-2012 09:10 AM
Edk83 wrote:Sent a PDF to the collection agency. Think they agreed as I caught them reporting shadow payments!
What are shadow payments?
12-19-2012 11:49 AM
It seems some creditors will list false payments. Unkown why, unless to change the DOLA which is irrelevant. Now if they change the DOFD because of false payments, that's a huge issue.
Starting Score: 504
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