Re: CMS recommenda
tion needed and help w/ score
07-07-2011 10:55 AM
OK-I will get to work on the old CA. I hate that it's there. I assume that trying to get a DV letter and a PFD will take some time, so I'm not sure if daily report monitoring is necesary right now. Maybe, I pull my two credit scores from the Myfico Standard and apply for a CC now. Pursue the DV and PFD for the old CA. Submit those. Then, purchase a 3-in-1 like CCT to monitor changes on each report (I believe CCT is a monthly update??). And purchase Myfico Standard as I see changes in the reports to track any subsequent changes in my credit scores. Does that make sense? Or is there a cheaper method?
Also, is a secured CC the only way to go? I didn't think I needed to do that after getting a 350K mortgage, no lates in over 2 yrs, and a 22% debt-to-income ratio. P.S. the mortgage is only in my name. DH carries the benefits, I make the money .
Thanks again, for your information