01-23-2008 02:33 PM
01-23-2008 03:05 PM
DO NOT be embarrassed. Practically everyone here is or was in the same boat. I am sure there is someone with 10x as much debt as you. No one here is judgmental but share only what info you are comfortable with.
I'm embarrassed to say how much we owe - it is way out of control! The finance charges went really high and it just started adding up and up and up. As soon as I compile the list I will let you know. Maybe you can help us. Thanks!
01-23-2008 03:08 PM
01-23-2008 03:13 PM
01-23-2008 07:02 PM
01-23-2008 08:11 PM
01-24-2008 08:31 AM
Ask your mortgage broker or lender about "Rapid Rescore". If you pay a fee, you can get your reports updated right away. It costs about $30 per TL per CRA. Might be worth it if it boosts your score enough to get a better rate.
It would be a heart-breaker if you two paid down all your cards right before you needed your new scores, but no one bothered to update your reports. So for that reason alone, the earlier you pay, the safer.
01-24-2008 09:49 AM
That is what I think - but now I just have to convince my husband that this is better.
01-25-2008 12:52 AM - edited 01-25-2008 12:59 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.