Moderator
Revelate
Posts: 8,164
Registered: ‎12-30-2011
Re: New Credit Score Website
[ Edited ]

whodatnation2 wrote:

If you don't mind let us know how the site is when you register


Absolutely I'll do that.

 

I'm just signing up for their credit pull service though, I don't really need their score analyzer and other things as I can do my own math with the knowledge I have; also, frankly I'm nowhere close to being ready to play the optimization of FICO game with my current reports.  More than anything I just need to pay on my tradelines and see about goodwilling a few derogatory marks.

 

Where I do find value in it, is I need to have some barometer of where my scores are, sporadically over the next 18-30 months in my run up to a theoretical FHA mortgage; however, in between that I need to switch my auto-insurance (has to be done in June no choice there) and refinance my auto-loan a few months later than that... and have plans to apply for one of two things before the end of the year too (Amex zync for future backdating as an example).

 

I was mostly going to predicate everything off my EQ score from DCU, but in my case living in S. Cali, the ever-elusive EX score would be enormously helpful in my building journey depending where I draw the line in the sand for a mortgage app.  I'm spending a lot more than the cost of this service in my path towards credit righteousness (like my subprime autoloan at 19%), and as such it is utterly inconsequential in comparison: it's annual charge is less than what I'm accuring in interest each month on my car loan.

 

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 703, TU 708, EX 702* (05/30/14, EX older)
Goal Score: 700 in all three (01/01/15)


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