Credit Cards Center Credit cards from our partners
Reply
Moderator Emeritus
Posts: 273
Registered: ‎04-13-2007
0

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

I tried to see if any of the s/p cards do any goodwilling and they seem to be difficult. I have a late pay with plain commerce/bank pf hoven that occurred approx 20 months ago and they will not remove it. I figure my score should jump a little once it ages to the 24 month mark.
Frequent Contributor
Posts: 453
Registered: ‎04-07-2007
0

Re: A little FICO Inspiration and comparison between myfico/truecredit May 5, 2007!

Wow!  Impressive, LadyFico!  Scores are coming up fast! 
Moderator Emeritus
Posts: 273
Registered: ‎04-13-2007
0

Re: A little FICO Inspiration and comparison between myfico/truecredit May 5, 2007!

Thank you the only thing that concerns me is once everything is reported and I go back to just worrying about paying slightly more than the minimums will I plateau before I reach my goal?
Moderator Emeritus
Posts: 5,436
Registered: ‎03-10-2007
0

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

[ Edited ]


LadyFICO wrote:
Something I noticed I have two hsbc (orchard) cc and they both just reported to eq I guess overnight no statement has cut yet so I guess we should always be aware of our usage on this one. Also, this update has not hit the other two bureaus yet nor have I received an alert from scorewatch to let me know of any score changes which I believe should occur due to now four cards I have paid down from max should be showing . I'm almost inclined to think that maybe eq batches the changes for x number of days and makes a score determination for the month. Whereas the other two adjust your scores as soon as a change occurs. Making EQ the hardest for me to get a huge point boost like the other bureaus. Just some more thoughts.


 
Usually HSBC and Orchard s/p will report end of month regardless of the statement date.  Check in to when the date is report 'as of' and that will give you a good idea of when to make sure your balances are lowest.  As the PP said, it is almost impossible to goodwill ANYTHING out of these two cards so remain perfect.



Message Edited by Brammy on 05-06-2007 10:27 AM
Regular Contributor
Posts: 241
Registered: ‎03-27-2007
0

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

[ Edited ]
Congratulations.
 
How are you getting your FICO scores?
 
 
 
 


Message Edited by Drew on 05-06-2007 04:37 PM

American Express Blue Cash Everyday $25000
Barclays Sallie Mae World MasterCard $25000
Capital One Quicksilver World MasterCard $12500
Chase Freedom Visa Signature $25000
Discover IT $21000
US Bank Cash+ Visa Signature $25000
Synchrony Bank Old Navy Visa $25000

Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!



Drew wrote:
Congratulations.
 
How are you getting your FICO scores?
 
 
 
 


Message Edited by Drew on 05-06-2007 04:37 PM

myfico.com
Moderator Emeritus
Posts: 273
Registered: ‎04-13-2007
0

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

Thanks Drew, Tuscani is correct, I use MYFICO.com the only true way to obtain your FICO scores. I am hoping they develop a product that incorporates all 3 bureaus but for now, and since I was a newbie and just learning about credit repair I initially purchased and pulled using the suze orman kit to obtain info about all 3 fico scores. For me, scorewatch for monitoring EQ came a week later as I continued exploring what products would work for me.
 
I get new reports as I need them or when I think I need them. (This includes the Sally orman reports to see EX and TU progress as well. Since I am trying to share with you guys about the progress I am making, I will try to obtain them a little more often. Once I reach a point of not having so much credit activity I can pull when I make major purchases or think an alert has triggered something that looks suspect. Until then I will continue to share.
Valued Member
Posts: 33
Registered: ‎05-01-2007
0

Re: A little FICO Inspiration and comparison between myfico/truecredit May 7, 2007!

Kudos to you Lady!  I have a similar circumstance (I just posted "My Mortgage Journey Using FICO" )and it is nice to know that I am not alone Smiley Happy  Good luck to you!
Highlighted
Moderator Emeritus
Posts: 273
Registered: ‎04-13-2007
0

Re: A little FICO Inspiration and comparison between myfico/truecredit May 7, 2007!

Thanks I will check it out!
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score 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.