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In February of this year, I decided that I was fed up with bad credit scores and that prompted me to start researching what credit was all about. I found the myFICO forum and became obsessed. I don't think I have stopped reading around on these forums since the day that I found them. As far as my credit, I have matured immensely in regards to personal finance so I believe that it is truely time to work the FICOs to the top and give them permission to stay there.
I invested in myFICO to truely find out what my FICO scores were. They were horrible, just as I had anticipated, but they were a lot higher than they were on Credit Karma. I have done a few things since my start date that I'll list below.
Revolving Accounts:
Installment accounts:
Collections:
I know that it says my goal is 650 accross the board, but I can not wait to get my scores all to show 600!
@Anonymous wrote:
Good to see you working hard towards better credit! Get that auto loan to report to EQ along with the two years of payments and your EQ will definitely shoot up. I've heard some good things about BoA secured. For some people it graduates to unsecured after the 7th statement but usually it'll graduate around a year. Along with Discover IT secured. Cap One won't graduate but it'll show some positives with them and you'll get approved for their unsecured cards like the quicksilver. Keep workin! One year ago I filed chapter 13 and saw my scores drop to 400. A year later I'm at 620 across all 3 CB's. It's all about how bad you want it!!
I went and talked to my credit union and they don't have a relationship with EQ so they're not able to report it. Is there any action that I can take to get the 2 years of payments for my car loan reported to EQ?
Cap One secured does graduate, but it is an offer for pre approval that you have to recieve. the pre approval offer states that after 10 mo of on time payments the card will unsecure.