Hi Everyone,

I am in recovery from a bankruptcy Jan 2009.  Trying to rebuild fast as I need a place to live here , it is cheaper to buy now than rent.   I have been successful with a few disputes , but still fighting with the CRA.s on 5 creditors reporting wrong.   I had checked my report in 2009 it was okay, but 2010 and 2011 they were reporting incorrect again.

  I thought it was hopeless until I saw a friend who filed Bkrptcy 2003, now with a score of 760 and bought a home this month.  My goal is at least a 720-760.

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llecs wrote:

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l8angel wrote:

Glad to be a part of the challenge.  How do I get a Experian FICO score.

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Unfortunately Experian blocked consumer access to your own FICO score about 3 or so years ago. You cannot get it from anywhere without the help of a lender. There are some banks and CUs out there that can provide it to you as part of a service or benefit.

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Does anyone know why they did that?  What an odd thing...

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Starting Score: 732 (EQ)
Current Score: 782! (EQ - 4/12/13); 748 (TU - 5/21/12); 760 (EX - 4/16/12 AMEX pull)
Original Goal Score: 760+ EQ --> decimated!
New Goal Score: 800+ EQ


Take the FICO Fitness Challenge

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lolabelle wrote:

Unfortunately Experian blocked consumer access to your own FICO score about 3 or so years ago. You cannot get it from anywhere without the help of a lender. There are some banks and CUs out there that can provide it to you as part of a service or benefit.

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Does anyone know why they did that?  What an odd thing...

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One reason is to sell their own "score". From the Experian website you can buy a "PLUS" score but this is not a FICO and this is a quote from EX: Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders

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MarineVietVet wrote:

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lolabelle wrote:

Unfortunately Experian blocked consumer access to your own FICO score about 3 or so years ago. You cannot get it from anywhere without the help of a lender. There are some banks and CUs out there that can provide it to you as part of a service or benefit.

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Does anyone know why they did that?  What an odd thing...

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One reason is to sell their own "score". From the Experian website you can buy a "PLUS" score but this is not a FICO and this is a quote from EX: Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders

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So, essentially they blocked access to something useful in order to replace it with a consumer product that's not hugely useful?  That's kind of a jerk move, isn't it?

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Starting Score: 732 (EQ)
Current Score: 782! (EQ - 4/12/13); 748 (TU - 5/21/12); 760 (EX - 4/16/12 AMEX pull)
Original Goal Score: 760+ EQ --> decimated!
New Goal Score: 800+ EQ


Take the FICO Fitness Challenge

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lolabelle wrote:

 

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One reason is to sell their own "score". From the Experian website you can buy a "PLUS" score but this is not a FICO and this is a quote from EX: Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders

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So, essentially they blocked access to something useful in order to replace it with a consumer product that's not hugely useful?  That's kind of a jerk move, isn't it?

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I don't think anyone here would argue that point.

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MarineVietVet wrote:

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lolabelle wrote:

 

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One reason is to sell their own "score". From the Experian website you can buy a "PLUS" score but this is not a FICO and this is a quote from EX: Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders

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So, essentially they blocked access to something useful in order to replace it with a consumer product that's not hugely useful?  That's kind of a jerk move, isn't it?

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I don't think anyone here would argue that point.

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+1

I'm a single mom, raising my young daughter while attending college full-time. My credit took a bit hit when I went thru my divorce 4 years ago. I had to depend in my credit cards for gas & groceries to get by and a few accounts went to collections. It's taken me a long time to get back on my feet.

I'm currently on the cusp of moving across the country to transfer to a 4 year university in an area that has a much better cost of living. My job will transfer at the same $12/ hour pay, but the cost of living is much much better. My goal is to qualify for a mortgage so I can buy a small condo/ house for me & my daughter.

My current DEBTS:

Furniture Line of Credit: $853 @ 0% interest until 03/2013

[credit limit: $1,500]

Credit Card 1: $3,500 @ 5.9% interest

[credit limit: $6,000]

Credit Card 2: $10,500 @ 5.9% interest

[credit limit: $11,600]

Student Loan: $3,500 @ 4% interest, in deferment while I'm in college

My SAVINGS:

Savings Account: $700

401k: $4000

My 2 month GOALS (06/16/2012) are-

* pay for everything in cash/ debit, NO MORE DEBT

* boost savings to $2000

* pay $1200 off credit card debt

* boost credit score to 680+

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Starting Score: 656
Current Score: 674
Goal Score: 720

Take the FICO Fitness Challenge

DrNerdy girl has some favorable interest rates on the plastic

that's good, b/c it's interest that ultimately kills

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Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700

Take the FICO Fitness Challenge

I am looking to better my credit score for the future or atleast enough to get a decent apr on a car loan.

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Starting Score: Walmart TU: 651, Sears EX: 678, EQ: ? (as of 4/18/12)
Current Score: ?
Goal Score: 700 club!
CC's: Walmart $800, Barclay's $800, Sears $140, SACU (local credit union) $450, Macy's $ 0.00 ^_^

Take the FICO Fitness Challenge

I am so excited to report that my TU fico score is now 760 and Equifax fico score is 716.  My credit usage is down to 22% utilization on my credit cards.  I have one paid off and another one with only $30.00 balance.  I am excited because I am seeing that I am progressing on my goal to have less than 15% utilization by end of year and 760 fico score. 

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Starting Score: TU 719 1/7/12, 706 Equifax 1/7/12
Current Score: TU 719 1/7/12, 706 Equifax 1/7/12Goal Score: 770
Take the FICO Fitness Challenge