oh boy.......

[corymhoward]

so here i am starting out.....

ck 543

freecreditrep 553

credit sesame 606?

myfico 506

the only cc i have is a cap1 unsecured with credit limit of 300$ and about 25$ bal on it now......yea i screwed the steps up....in my defense my house was hit by a tornado, my x wife "went away" so it was just me and my boys and my 2 year old ended up having surgery..haha its been a rough period to say the least and cap1 will hopefully delete the bads on that - but i want to fix it now.  its discouraging to say the least! i only have 2 collection accounts - ATT with 0$ bal that i honestly have no idea where its from....they said theyd remove it if i disputed? the other is from a med bill for $139 which i will be having removed hopefully as well.  i have $7k in student loans that i just made my last rehab payment on.   i am going to be posting my progress here as i put this mess back together.  there are some really encouraging stories here.....oh yea i got in the fingerhut freshsteps deal so we will see how that goes if i can find something worth spending the money on.

[DaBears]

Hi corymhoward and welcome to the forums!!! So sorry to hear about what has happen. Glad you came part of the myFICO community. Start asking questions. You can alway PM me if need to. There is  little mail icon in the middle right corner of your screen. To get familiar with the terminology used here I would suggest clicking on the blue stickies in my post. A lot of useful information to learn.

Community Leader,

DaBears

[corymhoward]

thanks DaBears!

i have been reading in depth everything on here.  its definitely the best site for info that i have found!  My first question would be why is my sesame score 100pts higher than this one?  

[Shogun]

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@corymhoward wrote:

thanks DaBears!

i have been reading in depth everything on here.  its definitely the best site for info that i have found!  My first question would be why is my sesame score 100pts higher than this one?  

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Cause it's a different scoring algorithm.   Unfortunately for you, nobody uses CS.    It's what we term as a FAKO.

[corymhoward]

yea i didnt put much value in the sesame score.....