topic Re: Getting nowhere!! ugh in Rebuilding Your Credit

Getting nowhere!! ugh

bubbles0605 — Tue, 24 May 2016 14:34:46 GMT

CK vs. CCT? karma has me at exp:545, tu:531 and eq:515.

I just signed up for cct and it came back as: exp:539 tu:496 and eq: 508

So confused.....I have had one late removed and 2 collections.

Thoughts??

Re: Getting nowhere!! ugh

Anonymous — Tue, 24 May 2016 14:51:10 GMT

@bubbles0605 wrote:
CK vs. CCT? karma has me at exp:545, tu:531 and eq:515.
I just signed up for cct and it came back as: exp:539 tu:496 and eq: 508

So confused.....I have had one late removed and 2 collections.

Thoughts??

Credit Karma is crap FAKO scores. CCT is True FICO 8 scores.

If you do not see "FICO" prominantly displayed, rest assured its a phony FAKO score that is next to worthless.

Re: Getting nowhere!! ugh

JustinA — Tue, 24 May 2016 22:16:37 GMT

Are you sure the paid accounts had a chance to report? How old were they? Do you have anything else bad reporting?

Re: Getting nowhere!! ugh

RonM21 — Wed, 25 May 2016 00:07:37 GMT

CCT has your true Fico scores. Do not put much stock into the CK scores other then to use them for general estimated info.

Re: Getting nowhere!! ugh

cmony787 — Wed, 25 May 2016 03:45:55 GMT

Credit repair is a marathon not a sprint, be patient.

What other derogs are on your reports beside the negatives you had removed?

Re: Getting nowhere!! ugh

bubbles0605 — Thu, 26 May 2016 13:36:59 GMT

I have a defaulted student loan that is currently starting rehab. I know thats a huge hit currently. I have an auto loan in good standing and a cap 1 that is about to hit 6 moths and give me a cli. I really thought it would move up my scores better then this

Re: Getting nowhere!! ugh

Anonymous — Thu, 26 May 2016 14:06:11 GMT

@bubbles0605 wrote:
I have a defaulted student loan that is currently starting rehab. I know thats a huge hit currently. I have an auto loan in good standing and a cap 1 that is about to hit 6 moths and give me a cli. I really thought it would move up my scores better then this

As indicated above - its a marathon, not a sprint. You should fully expect it to take a minimum of two years to rehab your scores.

Re: Getting nowhere!! ugh

Anonymous — Thu, 26 May 2016 14:09:47 GMT

What is CCT?

Re: Getting nowhere!! ugh

Anonymous — Thu, 26 May 2016 14:17:29 GMT

@Anonymous wrote:
What is CCT?

Credit Check Total, only the best credit score/report monitoring service site currently on the market 'g'

Re: Getting nowhere!! ugh

Anonymous — Thu, 26 May 2016 14:40:55 GMT

For the longest time my CK scores were about 100 pts lower than my scores from CCT. And then I had an old collection removed which I though would have helped my scores...but it was my oldest acct reporting...at first my CK scores jumped over 100 pts! My EQ went from like 648 to 723! A week later they both dropped about 100 or more points! Now my CK scores are HIGHER than my true fico scores. On CK my TU score is 666 and EQ is 673.....on CCT my scores are TU 648, EQ 628 and EX 648....which is strange because they are all the exact same across the board besides inquires...With TU I have 7...EQ 6 and EX 5...1 medical collection from 5 yrs ago....2 revolving accts never late.