Re: New Credit Score Website[ Edited ]
01-26-2012 11:26 PM - edited 01-26-2012 11:27 PM
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 670, Wally TU 700, EX 718 (11/29/13, EX 07/11/13)
Goal Score: 680 in all three (01/01/14)
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