Hey all:
I'll be the guinea pig since this is my new crusade to be house ready in 3-6 months with the methods you all have shared with me. I originally pulled my baseline scores in feb and have tried to check on a monthly basis. These are all my scores thus far. My immediate goal is 620-650 to qualify for a decent mortgage out of s/p territory.
MYFICO TransUnion True credit version
623 6/1/07 604 All has posted!
592 5/19/07 1 cc update remains 604 5/19/07
564 5/11/2007 Inquiries removed 603 5/11/2007 4 cc update 1 inquiry removed
562 4/28/2007 No change 5/7/07 595 5/9/2007 a couple of inquiries have fallen off
588 5/4/2007 2 cc update from max
506 3/20/2007 575 5/2/2007 1 cc update from max
478 2/3/2007 565 3/1/2007 0 cc update from max
MYFICO Equifax
604 6/1/07 614 All has posted and I believe I have aged some new accounts
587 went down due to inquiries
596 5/17/07 Had to pull a scorepower for this update!
584 5/16/07 scorewatch alert 607 5/16/07 Don't get it?
561 5/9/2007 6 cc update 606 5/9/2007 6 cc update
530 5/7/2007 I guess they are really going to make me work for those points!
528 4/28/2007 588 5/5/2007 4 cc update from max
510 3/8/2007 583 5/2/2007 2 cc update from max
589 6/1/07 612 all updated plus inquiries
572 5/19/07 new installment loan added 614 5/15/07 5 cc update + inquiry (Ouch)
572 5/8/2007 612 5/8/2007 4 cc update from max
541 4/28/2007 565 5/2/2007 2 cc update from max
As I have explained in the past collections and deletions have hurt my fico score for EQ but not TU and EX. I hope this is a glitch and EQ will rebound a little more as I continue to play by the rules no lates on anything since last december. All collections and CO are zero paid or transferred. 10 CC all maxed out until 3 weeks ago and only one update has hit my report on all bureaus with 2 now showing on EX and EQ I believe. I'll edit if I am wrong. I am hoping the pay offs will bring my accounts up to if not past at least the 600 level. I will continue to try to get util to all below 10% soon. I am expecting an install loan to hit and who knows what that might do to my credit profile. I am hopeful and anxious since I hadn't realized until this moment that EX alone went up 66 points and TU 84 points! I am curious why EQ is so low when it was originally the highest. I must of lost a lot of hx with the deletions. Any thoughts or comments are always welcomed!!!
Hope to hear from all of you soon!
I decided to add truecredit so that we can also monitor the differences in the scoring models for all you statisticians out there. I'll supply the data and you can interpret
Message Edited by LadyFICO on
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06-01-2007 11:21 PM