topic Re: NO Effect on my Score in General Credit Topics

NO Effect on my Score

Anonymous — Mon, 25 Jun 2007 15:32:16 GMT

I have disputed a few duplicates and such on my credit report. Thanks to advice and posts here. a few of the changes have been made, 2 duplicates came off, and a few inqs fell over the year mark. However, NO change in my score? Could my credit really be that screwed up? Only negatives, and lots of Collections.

Re: NO Effect on my Score

Tuscani — Mon, 25 Jun 2007 15:33:25 GMT

Did you buy an updated score\report?

Re: NO Effect on my Score

Anonymous — Mon, 25 Jun 2007 15:40:08 GMT

Not a FICO score, but my TC scores have not budged, and it has been a few days since the changes were made to my CR.

Re: NO Effect on my Score

Tuscani — Mon, 25 Jun 2007 16:10:03 GMT

I would suspect your FAKO to change... but they are FAKOs afterall. Are you using TC? Did you pull an updated TC report?

Re: NO Effect on my Score

Anonymous — Mon, 25 Jun 2007 16:20:11 GMT

The same thing happened to me recently. A duplicate collection was deleted, 1 bad account was deleted and a paid collection was deleted and my TU Fako score went down 1 point. Hopefully it will go up as these negatives came off. It has been two days.

Re: NO Effect on my Score

Anonymous — Mon, 25 Jun 2007 17:16:13 GMT

@Tuscani wrote:
I would suspect your FAKO to change... but they are FAKOs afterall. Are you using TC? Did you pull an updated TC report?

I am using TC and pulled an updated score early this am. No change..... very frustrating as if my score (472) is not bad enough, changes are not helping me!

Re: NO Effect on my Score

Anonymous — Mon, 25 Jun 2007 20:25:23 GMT

BUMP

Re: NO Effect on my Score

Bruiser — Mon, 25 Jun 2007 20:37:13 GMT

your % utilization can play a role in this as well...

i noticed that if i have more than 50% of my credit card used,..any positive changes to my report are held back to a minimum or no change at all

also,..one collection on my TU report seems to be causing me to go nowhere with my score

its stuck @ 557 while my other 2 are soaring and gaining each month

this co is the only difference between my reports,...INQ/Lates/ etc, are all pretty much the same

Re: NO Effect on my Score

Anonymous — Mon, 25 Jun 2007 20:46:39 GMT

Man trying to learn all the "rules" to this "game" gives me a friggin headache. Maybe I should just take my bill money and buy lottery tickets. After all if I win 300 million dollars, who need credit? (kidding)......mostly

Re: NO Effect on my Score

Bruiser — Mon, 25 Jun 2007 20:49:59 GMT

i'm still learning,..and by no means have all the answers

that is what I've experienced so far with my scores

do you have any Collection Accounts still on your report?

Re: NO Effect on my Score

Anonymous — Mon, 25 Jun 2007 21:01:18 GMT

my situation is similiar believe it or not I had 6 PFD the beginning of last month and my CC is at 4% 2 Inquireys and my score still holds low,,,,man I thought once I got these paid off my score would increase quite a bit,,,the most has been 20 points....I have 2 CO that are paid in full but I couldnt get PFD so I guess thats it. Its sad I make over 140k a year and I couldnt qualify for a freaking walmart gift card...because of a job loss 3 years ago hahaha...I offered sallie mae a full payment on my student loans plus an extra 30% to remove the lates and they wouldnt take it..everything in life is Negotiable with $$$ just not your credit score..haha

Re: NO Effect on my Score

Anonymous — Mon, 25 Jun 2007 21:37:57 GMT

If CA's were years, my report could vote if not almost drink legally.

Re: NO Effect on my Score

Bruiser — Mon, 25 Jun 2007 21:41:02 GMT

jaguls66 wrote:
If CA's were years, my report could vote if not almost drink legally.

i think you have your answer right there

i would try working on getting some of them removed

try a GW letter first, which probably won't work, but it's the free way

then try a PFD letter gradually, that's if you want to get them removed before they expire

never pay them and then ask for it to be removed after they have your money,..

Re: NO Effect on my Score

Anonymous — Mon, 25 Jun 2007 21:44:07 GMT

Sent out a Few PFDs last week, opened up 2 secured cards. See what the PFDs get me by next week hopefully.

Re: NO Effect on my Score

Bruiser — Mon, 25 Jun 2007 21:45:45 GMT

you're on the right track then

those cards won't help much at the get go,.but they will gradually boost your score more as time goes on

Re: NO Effect on my Score

Anonymous — Mon, 25 Jun 2007 21:51:41 GMT

trying to get from 472 to 550+ by Feb. 08.