Rebuilding Your Credit

[pauly73]

hi im new to this forum. im trying to establish/build credit first time. Unfortunately i have ran my info too many times i think. i currently have a boa 300 secured and a capitol one 200. not too sure of my scores, but verizon said 330. never heard of something so low. any help building would be helpful. thanks

[AJx]

Verizon said your Fico score is 330?

I guess it's possible, since the range is 300 to 850... but I doubt running your info too many times singlehandedly dropped your score that low. You should begin buy ordering your Credit Report and Fico Scores here. They show you what's weighing down your scores the most and what you need to work on atm.

[pauly73]

yea there is some other negative stuff on there medical cell phones. a judgment i paid in full 2 years ago that stated it will be removed the end of this year. i have never had a car loan mortgage or a credit card in my life.

[jimbo831]

I saw in a different thread that someone else had a similar score through Verizon.  Scores this low are extremely rare.  It is very possible that cell phone companies use a special score that is made for cell service.  I got a score from HSBC recently in the 300s (which was good enough for them to approve me, so obviously wasn't a regular FICO).  Is there anyone here that has worked in sales at a cell phone company that knows what kind of score they use, and/or what ranges of scores you have seen?