topic Re: No more baddies on Experian!!! Yeah!!! in Understanding FICO® Scoring

No more baddies on Experian!!! Yeah!!!

Anonymous — Sun, 24 Jun 2007 16:23:40 GMT

Checked my Experian Reports today. Found these messages....

Public Records: Click on the account name to review details

No Potentially negative public record items appear on your report.

Credit Items : Click on the account name to review details

No Potentially negative credit items appear on your report.

I am so psyched!!! Hopefully the other two are the same...will check later.

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Sun, 24 Jun 2007 17:19:03 GMT

NiCe!@!

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Sun, 24 Jun 2007 17:52:01 GMT

EXP is giving out the love this week. Congrats!!!

ObsessedwithmyFico wrote:
Checked my Experian Reports today. Found these messages....

Public Records: Click on the account name to review details

No Potentially negative public record items appear on your report.

Credit Items : Click on the account name to review details

No Potentially negative credit items appear on your report.
I am so psyched!!! Hopefully the other two are the same...will check later.

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Sun, 24 Jun 2007 17:57:30 GMT

Wooooooooooo hooooooooooooooooooo!!! Just got a scorewatch alert...I love those...Score up +29..EQUIFAX now at 678!!!!! TODAY IS A GOOD DAY!!

Message Edited by ObsessedwithmyFico on 06-24-2007 10:57 AM

Re: No more baddies on Experian!!! Yeah!!!

MidnightVoice — Sun, 24 Jun 2007 18:07:33 GMT

ObsessedwithmyFico wrote:
Checked my Experian Reports today. Found these messages....

Public Records: Click on the account name to review details

No Potentially negative public record items appear on your report.

Credit Items : Click on the account name to review details

No Potentially negative credit items appear on your report.
I am so psyched!!! Hopefully the other two are the same...will check later.

I am jealous

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Sun, 24 Jun 2007 18:12:16 GMT

Midnight...don't be...Yall have helped me tremendously. On 5-31 when I first got my report I was at 630 on EQ. You too can to this, but I know I could not have done this without the help of this forum. I am hoping for another increase by the 1st since I paid off 4 credit cards, have a 5th that already had a $0 balance and have a 30% UTIL on a sixth which I will pay down to about 20% by its due date of 7-5. Yall are the greatest!!!! That's 48 points in three weeks!!!!! Yes!!!

Re: No more baddies on Experian!!! Yeah!!!

MidnightVoice — Sun, 24 Jun 2007 18:23:20 GMT

ObsessedwithmyFico wrote:
Midnight...don't be...Yall have helped me tremendously. On 5-31 when I first got my report I was at 630 on EQ. You too can to this, but I know I could not have done this without the help of this forum.

This is a great place for help, with a bunch of people who are WILLING to help.

I like it, and I am not really jealous. I now know how my score will progress, and how to ensure it is in the right direction. And I know EX and Cingular will always hate me

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Sun, 24 Jun 2007 18:32:22 GMT

I noticed lots of people say TU is always their lowest..but it's been my highest...with Experian always lagging about 10-15 points behind.

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Sun, 24 Jun 2007 18:33:18 GMT

P.s. It was Sprintpcs that I was hating on....or more specifically that was hating on me...

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Sun, 24 Jun 2007 18:40:18 GMT

TU was my highest until this month when EXP cleared off the remaining CA's

With TU so slooooow to update it is keeping the score down.

Re: No more baddies on Experian!!! Yeah!!!

fused — Sun, 24 Jun 2007 18:41:25 GMT

Getting anywhere with EX is an accomplishment!

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Sun, 24 Jun 2007 19:03:42 GMT

fused..I don't think I can credit EX with this one..except for updating..I had one baddie on my report with NCO. I sent them a goodwill letter..in addition to using PFB..and the entry has disappeared..at least on EQ and EX..I haven't yet checked TU..I am going to wait until some credit card payments post which should be by the 1st of July and then check. The due dates on two were 6-21 and the other two are today 6-24..I need to wait until after the new statements come out and they report before I will pay for the scores again...This stuff should really be taught in school...I had no clue how this all worked..and in three weeks (well three registered weeks and a month of lurking) I have accomplished all this.All you guys rock!!! Especially Tuscani, Noah, TNWM....

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Sun, 24 Jun 2007 19:20:31 GMT

TU will update whenever they get around to it. Starting to lose my patience with them

ObsessedwithmyFico wrote:
fused..I don't think I can credit EX with this one..except for updating..I had one baddie on my report with NCO. I sent them a goodwill letter..in addition to using PFB..and the entry has disappeared..at least on EQ and EX..I haven't yet checked TU..I am going to wait until some credit card payments post which should be by the 1st of July and then check. The due dates on two were 6-21 and the other two are today 6-24..I need to wait until after the new statements come out and they report before I will pay for the scores again...This stuff should really be taught in school...I had no clue how this all worked..and in three weeks (well three registered weeks and a month of lurking) I have accomplished all this.All you guys rock!!! Especially Tuscani, Noah, TNWM....

Re: No more baddies on Experian!!! Yeah!!!

fused — Sun, 24 Jun 2007 20:43:32 GMT

Timothy wrote:
TU will update whenever they get around to it. Starting to lose my patience with them
ObsessedwithmyFico wrote:
fused..I don't think I can credit EX with this one..except for updating..I had one baddie on my report with NCO. I sent them a goodwill letter..in addition to using PFB..and the entry has disappeared..at least on EQ and EX..I haven't yet checked TU..I am going to wait until some credit card payments post which should be by the 1st of July and then check. The due dates on two were 6-21 and the other two are today 6-24..I need to wait until after the new statements come out and they report before I will pay for the scores again...This stuff should really be taught in school...I had no clue how this all worked..and in three weeks (well three registered weeks and a month of lurking) I have accomplished all this.All you guys rock!!! Especially Tuscani, Noah, TNWM....

TU was always slow but seem to be improving lately, at least for me. EQ seems to be the slow poke now.

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Sun, 24 Jun 2007 21:48:51 GMT

Congratulations on your EX success I think EX hates me. It is always my lowest score and anytime I have applied for credit and the pulled EX I have been denied.

Message Edited by onmyway3161 on 06-24-2007 02:48 PM

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Mon, 25 Jun 2007 20:01:57 GMT

Ok I bit the bullet today and signed up for TC. The one baddie I mentioned is gone from both EX and EQ (I sent a goodwill to NCO since the CR's would not remove). Is it safe to assume TU has just not updated yet? Also..My FAKO's are pretty comparable to my FICO's...on EQ fico 678..fako 686.

Re: No more baddies on Experian!!! Yeah!!!

Tuscani — Tue, 26 Jun 2007 03:13:02 GMT

ObsessedwithmyFico wrote:

Ok I bit the bullet today and signed up for TC. The one baddie I mentioned is gone from both EX and EQ (I sent a goodwill to NCO since the CR's would not remove). Is it safe to assume TU has just not updated yet? Also..My FAKO's are pretty comparable to my FICO's...on EQ fico 678..fako 686.

Nice! Rarely see them so close to one another.

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Wed, 27 Jun 2007 04:40:46 GMT

In the same boat - waiting for TU to update

UT OH - time for me to get banned !!!!!

ObsessedwithmyFico wrote:
Ok I bit the bullet today and signed up for TC. The one baddie I mentioned is gone from both EX and EQ (I sent a goodwill to NCO since the CR's would not remove). Is it safe to assume TU has just not updated yet? Also..My FAKO's are pretty comparable to my FICO's...on EQ fico 678..fako 686.

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Wed, 27 Jun 2007 22:02:07 GMT

I'm down to two (soon to be one) baddies on EX.

I started with, I wish I were kidding, 31 almost three years ago.

Re: No more baddies on Experian!!! Yeah!!!

Anonymous — Sat, 30 Jun 2007 18:48:20 GMT

Still waiting on TU to update...***patiently tappin my foot***....Also waiting for EQ and EX to report so I can get in on the AMEX craze and get rid of those cap1's. Probably could do not now...but don't want to take any chances.