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FICO Scores - Simulator

Valued Member

Re: FICO Scores - Simulator

Thanks for the info Shogun!
Established Contributor

Re: FICO Scores - Simulator

Looks like the Louisiana statute is 3 years.  So you are in the power seat for the negotiation if you want to pay them.  Any money you pay them at this point is strictly voluntary, so negotiate hard and walk away if they don't meet your terms.  They paid less than .03/1.00 for the debt.  So they "profit" at anything above that.  So offering them a penny/dollar with a full CB deletion and no 1099-C is still more than they would get any other way.  Read some of the offer letters here on the site to make sure you don't revalidate the debt etc.

Valued Member

Re: FICO Scores - Simulator

Will do! I really do appreciate all the help Smiley Happy

I was young and dumb. Although a natural disaster affected my job, I should have been more responsible in the first place! You live.... You learn.
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Moderator Emeritus

Re: FICO Scores - Simulator


sleauxmeaux wrote:
Will do! I really do appreciate all the help Smiley Happy

I was young and dumb. Although a natural disaster affected my job, I should have been more responsible in the first place! You live.... You learn.

Good attitude!  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.