Re: Starting to question Myfico
03-03-2013 06:26 PM
The collection I had dropped was a old 61/2 year T Mobile from a CA, it had a $0 balance but after sending 2 DV letters with no response I called them to ask if they were stupid for not responding since I live in Tx and they said to dispute with the CB's since they no longer do T Mobile's collections and they won't reply to them as well causing it to drop, which it did last week.
I haven't checked the AAoA yet.
The 2 credit cards I paid down are not closed, I owe $42 on my Cap1 and $140 on my other (was $176 and $230) and paid down my Macy's from $180 to $100.
Yes this was a SW alert and no I have not pulled my EQ since I got the alert about a hour ago...I was waiting till my Cap1 and other 2 reported before I spent the $$$ to pull it.
Is SW something I should trust as far as my score or do I need to spend the $ and do the pull with EQ to get the real deal?
Starting Score 11/2012 EQ: 615
Current Score 6/20/2013 EQ: 686
Goal Score: 725
Take the FICO Fitness ChallengeCurrent Score TU: 6?? EX Faco 720
Current Score EX: 711
Started with a Matrix secured and Cap1 secured.
Today 6/2013 Matrix $300 Cap1 $300 Cap1 $500 Macy's $800 Brylane Home $600 Buckle $250