topic Re: Scores won't budge in General Credit Topics

Scores won't budge

Anonymous — Fri, 29 Jun 2007 14:58:11 GMT

I have disputed a few things off of my CR in the last few weeks, and they have dropped off my TC daily pulls.

I have also had a new baddie pop up last week.

As well as several inquiries go over the year mark.

All of this in the last few weeks. My question is why have my FAKOs budged? Some may remember my confession post, and know I have really screwed this up. I didn't expect huge jumps or anythings but not even a flinch. One way or the other. Could I be so sideways in my CR that these changes are so small as not to matter to the great FICO computer gods?

Message Edited by jaguls66 on 06-29-2007 07:58 AM

Re: Scores won't budge

Anonymous — Fri, 29 Jun 2007 15:52:09 GMT

nobody has any ideas?? or should I not have confessed my true situation?

Re: Scores won't budge

MidnightVoice — Fri, 29 Jun 2007 15:55:01 GMT

For me, and FICOs only - nothing I do will budge EX, TU scores change at light speed, and with EQ the changes seem to filter in over the course of about 6 weeks.

Re: Scores won't budge

Anonymous — Fri, 29 Jun 2007 15:58:36 GMT

why if the results are posted in my CR would it take weeks for the calculations that create the score to change? Are they not generated each time a CR is pulled? Or did I misunderstand something about the way the scores are being factored?

Message Edited by jaguls66 on 06-29-2007 08:58 AM

Re: Scores won't budge

Anonymous — Fri, 29 Jun 2007 17:53:38 GMT

BUMP!

Re: Scores won't budge

Anonymous — Fri, 29 Jun 2007 18:01:15 GMT

Tuscani any ideas?

Re: Scores won't budge

Anonymous — Fri, 29 Jun 2007 18:49:58 GMT

Bumpity Bump Bump Bump!

Re: Scores won't budge

Tuscani — Fri, 29 Jun 2007 19:30:06 GMT

Did your FICO change?

Re: Scores won't budge

Anonymous — Fri, 29 Jun 2007 19:32:03 GMT

I have not pulled a FICO yet, was waiting on a secured CC to start reporting, or some movement in my FAKOs. Can the FAKOs not move and the FICOs move.

I mean I know they are FAKO scores, but I figured that with new info they would move some.

Re: Scores won't budge

Tuscani — Fri, 29 Jun 2007 19:35:21 GMT

jaguls66 wrote:
I have not pulled a FICO yet, was waiting on a secured CC to start reporting, or some movement in my FAKOs. Can the FAKOs not move and the FICOs move.

I mean I know they are FAKO scores, but I figured that with new info they would move some.

Yes, but generally they both will fluctuate. The important thing is that the baddies are gone.

Re: Scores won't budge

Anonymous — Fri, 29 Jun 2007 19:39:03 GMT

true, true. I thought maybe since I have so very many baddies, and currently no good TL but child support, my scores might not be budging.

I guess I will continue to dispute, PFD, GW, and generally try to dig myself out.

Any chance I may be able to get my scores up by 40 or so points by opening 2 CC's and paying them good. I am needing to get a new set of wheels in Jan.

Re: Scores won't budge

Tuscani — Fri, 29 Jun 2007 20:31:49 GMT

jaguls66 wrote:
true, true. I thought maybe since I have so very many baddies, and currently no good TL but child support, my scores might not be budging.

I guess I will continue to dispute, PFD, GW, and generally try to dig myself out.

Any chance I may be able to get my scores up by 40 or so points by opening 2 CC's and paying them good. I am needing to get a new set of wheels in Jan.

I would think so!

Re: Scores won't budge

Anonymous — Fri, 29 Jun 2007 20:53:02 GMT

With the drop offs and the added baddie your scores probably just offset each other, I recently had a baddie drop off and only got a 3 point increase. I've concluded that since it was old it had very little impact on my score but the fact that it is gone is the major point. Keep disputing your baddies try PFD's etc. and remember your not going to see any overnight success, correcting your Credit is a long process that only time and dedication can do. Good Luck to you.

Re: Scores won't budge

Anonymous — Fri, 29 Jun 2007 21:03:04 GMT

@Anonymous wrote:
true, true. I thought maybe since I have so very many baddies, and currently no good TL but child support

That's your problem.

Without positive TLs, you have nothing to offset the baddies.

I would recommend you get two credit cards, even secured ones if need be. To see real improvement, you must have at least one positive TL, preferably three or four. Get them, and by late autumn your scores WILL go up.

Re: Scores won't budge

Anonymous — Mon, 02 Jul 2007 13:13:07 GMT

@Anonymous wrote:

@Anonymous wrote:
true, true. I thought maybe since I have so very many baddies, and currently no good TL but child support

That's your problem.

Without positive TLs, you have nothing to offset the baddies.

I would recommend you get two credit cards, even secured ones if need be. To see real improvement, you must have at least one positive TL, preferably three or four. Get them, and by late autumn your scores WILL go up.

I have gotten 1 secured CC and will be adding a second as quickly as I can. Finally saw a little jump in points. TU up 1, just updated amount of child support, and last payment date. EQ, duplicate fell off last week, 12pt jump this a.m. FAKO, but i'll take it.