topic Re: Xmas present from Experian?? in Understanding FICO® Scoring

Xmas present from Experian??

MidnightVoice — Sun, 23 Dec 2007 19:12:02 GMT

I pulled my Chase IP report today and all of a sudden my Collection on EX seems to have gone away (with NO increase in my FAKO score). This was due to fall off March 18th 2008. Hmmmm. I think I will wait a while and see if it stays off. If it does I will be forced to pay for an EX report from MyFICO

Re: Xmas present from Experian??

Anonymous — Sun, 23 Dec 2007 19:16:50 GMT

i'd be tempted to pull now to see exactly how many points are at stake. hope it sticks, or doesn't!

Re: Xmas present from Experian??

fused — Sun, 23 Dec 2007 19:20:39 GMT

Yank your new score!

Re: Xmas present from Experian??

MidnightVoice — Sun, 23 Dec 2007 19:27:21 GMT

I take it enquiring minds want me to check the score (?increase?) TODAY in case it comes back?

Re: Xmas present from Experian??

Anonymous — Sun, 23 Dec 2007 19:29:36 GMT

strictly for educational purposes and for the common good. not to satsify our individual compulsive habits, mind you.

Re: Xmas present from Experian??

MidnightVoice — Sun, 23 Dec 2007 19:32:12 GMT

Of course, for the good of all.

Sounds like the blooming 3 musketeers!!!

Re: Xmas present from Experian??

haulingthescoreup — Sun, 23 Dec 2007 19:34:08 GMT

Do it, do it, do it!

This is like when fused was app'ing Discover.

Re: Xmas present from Experian??

MidnightVoice — Sun, 23 Dec 2007 19:37:07 GMT

Collection gone

EX was 685

EX is now 734

Cost of a 6.75 year old collection on EX - 49 points

Cost of a 6.75 year old collection on EQ - 56 points (that was for my DW a couple of weeks ago)

Re: Xmas present from Experian??

Anonymous — Sun, 23 Dec 2007 19:39:36 GMT

how's the view? congrats!

Re: Xmas present from Experian??

haulingthescoreup — Sun, 23 Dec 2007 19:45:10 GMT

@MidnightVoice wrote:
Collection gone

EX was 685

EX is now 734

Cost of a 6.75 year old collection on EX - 49 points

Cost of a 6.75 year old collection on EQ - 56 points (that was for my DW a couple of weeks ago)

Sweeeet! Congrats on EXorcising the demon!

Re: Xmas present from Experian??

MidnightVoice — Sun, 23 Dec 2007 21:00:04 GMT

I have been waiting sooooo long for this. I now have an average score of 771 and a middle score of 787

Now the only way to drive up my EX is to pay down the HELOC which EX insists is a CC.

But I might PIF my new AMEX and then we shall see what we shall see about the LUV button - a 50 point increase should be good for a few tho on the CL.

Of course, this is assuming that the Collection stays off!!

Message Edited by MidnightVoice on 12-23-2007 03:00 PM

Re: Xmas present from Experian??

fused — Sun, 23 Dec 2007 19:58:40 GMT

Excellent! Congrats my friend! Stunning!

Re: Xmas present from Experian??

MidnightVoice — Sun, 23 Dec 2007 21:00:36 GMT

fused wrote:
Excellent! Congrats my friend! Stunning!

It feels tremendous to have three reports green all the way through

Re: Xmas present from Experian??

haulingthescoreup — Sun, 23 Dec 2007 23:28:40 GMT

@MidnightVoice wrote:
It feels tremendous to have three reports green all the way through

Wow, I'm trying to imagine what that must look like!

Re: Xmas present from Experian??

Anonymous — Mon, 24 Dec 2007 00:26:32 GMT

I had a baddie get removed early from EX today as well-
Waiting for WAMU to and Capone to update to pull report

Re: Xmas present from Experian??

Anonymous — Mon, 24 Dec 2007 00:30:30 GMT

Ok I could not wait-
Net Gain 6 points after this baddie and two hard INQ's.
So the though that a 60 that is nearly 7 years old does not affect you score much is BS.

@Anonymous wrote:
I had a baddie get removed early from EX today as well-
Waiting for WAMU to and Capone to update to pull report

Re: Xmas present from Experian??

Anonymous — Mon, 24 Dec 2007 00:31:07 GMT

That makes me still in the 700 CLUB!!!!!

Re: Xmas present from Experian??

MidnightVoice — Mon, 24 Dec 2007 18:35:12 GMT

More on the cost of a nearly 7 year oild collection collection.

For me on EX - 49 points

For DW on EQ - 56

Just checled DW's EX report (joint collection it was). Score up 51 points

Re: Xmas present from Experian??

haulingthescoreup — Mon, 24 Dec 2007 23:00:41 GMT

The two of you are in one harsh bracket, that's for sure.