03-24-2007 03:42 PM
03-24-2007 06:56 PM - edited 03-24-2007 06:59 PM
03-25-2007 12:13 AM
03-25-2007 12:41 AM
04-20-2007 11:12 PM
What really ticks me off is it's only four charge-offs totaling less than a thousand dollars (one is paid, the most recent one). I know people who have many thousands in chargeoffs yet have a FICO in the upper 600s (mine has been trapped around 575 since time out of mind...every time it starts to rise one of the collection agencies re-reports a charge-off to knock it back down again). The credit card is a secured card from BofA. I've had it nine months now. I was told when I got it that I'd be eligible for conversion to unsecured status in nine months. I've never made a payment late. Obviously they lied. They just want to keep me down. I even asked them if I could have a credit line increase and keep the $99 for now, but they said now. Monday morning I'm going to call their customer care and keep escalating until I reach someone I can cuss out big-time for this. The reason I am going to cancel ScoreWatch is it really makes no sense for me to have it, since obviously my credit score is something I have no control over. Once it's reduced, the corporations will see it STAYS reduced forever. The whole point of me getting ScoreWatch was to try and improve my FICO so I can buy a home. Obviously it's gonna snow in Death Valley on the Fourth of July before that happens, so why waste my money? I have a fiance in a foreign country...I'll just give the U.S. credit system the finger and we'll buy a house and settle in her country.
04-23-2007 10:12 AM
yoreljm wrote:While you are saying its only four tiny charge offs, creditors should not be acting like that, the creditors are probably saying "wow, he did not pay his bills even though they not even $1000 worth...Can you imagine what he would do with a $2000 credit line? We would be the 5th creditor that he stiffs! Denied!"
03-26-2013 01:09 PM
i ms edited would like to cancel, this service..
I would give them a call:
Mon - Fri 6am to 6pm Pacific Time
Sat - Sun 7am to 4pm Pacific Time
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.