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Fair Isaac and myFICO are not credit repair organizations or similarly regulated organizations governed by the federal Credit Repair Organizations Act or similar state laws. Fair Isaac and myFICO do not provide so-called "credit repair" services or advice or give assistance regarding "cleaning up" or "improving" your credit record, credit history, or credit rating. Before posting, please read FICO Forums Credit Repair Discussion Guidelines. By accessing and using this community you agree to the User Guidelines and Terms of Service.

Subject	Replies	Author	Views	Latest Post
Is it too early for a "happy dance"?	6	StillLearning	372	‎09-19-2008 08:51 PM by angelalala
NTL...who are these guys and why do they want $69 ...	4	jaysdad2k	458	‎09-19-2008 08:49 PM by jaysdad2k
Hard Pulls on Credit Report (EQ)	0	aquatic1	199	‎09-19-2008 08:04 PM by aquatic1
Midland reporting question	3	loriku	399	‎09-19-2008 08:04 PM by guiness56
SOL for a federal debt?	3	SecondWind	313	‎09-19-2008 06:40 PM by guiness56
Pre HIPPA Letter Question [ 1 2 ]	14	pbielenb	1349	‎09-19-2008 05:48 PM by MichiganMommy
GWing cap one	1	makeynik	251	‎09-19-2008 04:47 PM by Tons_of_Debt
GW Letter Help	0	Pappy214	163	‎09-19-2008 04:29 PM by Pappy214
Erroneous / Fraudulent Collection Account on my re... [ 1 2 ]	16	Marsaeus	793	‎09-19-2008 04:14 PM by HappyDays
Moved: Question for FICO Barry	0	Barry	187	‎09-19-2008 04:10 PM by Barry
Are agreements reached through email as binding as...	1	Mike14	331	‎09-19-2008 03:29 PM by HappyDays
Paid Collection	2	skimpy	370	‎09-19-2008 03:27 PM by HappyDays
JC PENNEY'S HELP PLEASE!	2	BIRDWRITER	382	‎09-19-2008 01:57 PM by BIRDWRITER
CA sent me an invoice [ 1 2 ]	12	mberry117	546	‎09-19-2008 01:55 PM by UpUpUp
How much increase for a year of perfection?	1	LittleCat	260	‎09-19-2008 12:41 PM by UpUpUp
Settlement offer via mail from CA	6	honeybunnygal	437	‎09-19-2008 12:40 PM by honeybunnygal
Increasing Score to 650-700, at 635	6	akaatlast	561	‎09-19-2008 11:21 AM by akaatlast
Bay Area Credit Service, LLC & Arrow Financial [ 1 2 ]	11	Harpo	1184	‎09-19-2008 11:18 AM by Harpo
Asset Acceptance FOAD - what do you think? [ 1 2 ]	11	upinflagstaff	1745	‎09-19-2008 10:19 AM by upinflagstaff
Judgement on Report	2	bsebal7	272	‎09-19-2008 09:15 AM by bsebal7
What could be hurting my scores the most?	5	JShidell	404	‎09-19-2008 08:57 AM by Timothy
UTIL vs Avg Age	3	want2b_800s	343	‎09-19-2008 08:15 AM by llecs
Does this make sense to you?? My mind is boggled [ 1 2 ]	12	Bella1980	375	‎09-19-2008 07:34 AM by Optimistic08
AFNI not responding, what next?	7	datgirlb	581	‎09-19-2008 07:05 AM by JShidell
Afni...Please help	3	Guest1808	354	‎09-19-2008 07:01 AM by Guest1808
Being Authorised User	2	Chanduwar	334	‎09-19-2008 05:52 AM by Timothy
Student loan collection question	1	bosalmon	195	‎09-19-2008 05:44 AM by Timothy
United Revenue Corp letter after dispute and full ...	2	bearcat59	433	‎09-19-2008 05:17 AM by Timothy
OMG!!! another collection WTF! What do I do? [ 1 2 ]	13	mnegron1969	454	‎09-19-2008 04:53 AM by mberry117
How Would You Handle This Paid CA? Changed DOFD/Et...	0	jbh	131	‎09-18-2008 09:22 PM by jbh

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FICO and myFICO are registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Score Watch is a registered trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.