Posts: 14,051
Registered: ‎04-15-2011
Re: Hi Newbie with some questions on TU and general advice for my situation

Well let's get this cleaned up so you don't get knifed!!!   There are different scoring models for the different models.  But, question is, where did you get those scores?  Are they FICOS or FAKOS?  This can be a big difference.  Next thing is, we're not going to worry about scores for a bit, let's just clean up your report, the scores will reflect on what we can clean up.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!