1. No they were FAKO scores. I saw the 25% discount and decided to get the Suze Ormond package. That was quite a shocker! My FICO scores are a lot lower than those FAKO scores. Why do they get away with selling fake scores??
((EDIT: I just wanted to say it's SO much easier to see what needs to be disputed in the way I see accounts with this Suze Ormond thing. I like the list view.))
My FICO scores are TU 526, EQ 528, EX 587
I'll have to budget in getting my husband's scores next week. That 25% discount is great though!
2. As for the accounts showing as derogatory, yes they were all past due before we filed - it was either cc payments or hospital bills or groceries at one point. So I guess they'll stay showing as derogatory. I can live with that. I just wanted to know if they were supposed to show as derogatory or not.
3. I have now disputed with all three CRAs since all 3 did have inaccuracies - for each of us.
4. There are still things on our credit reports from about 13 years ago. They're all closed though. There are three small loans we paid off which all show as "Paid as agreed" and there's a credit card we each had that we closed when we got a better rate on a different card. It shows a 30day late on it though. There's also some old cards from way back like a closed Amex, and two store cards we had and closed a long time ago. So we both have a credit history of about 13 years. There are two BKs on it too, but one should come off in Dec of this year as we filed in Dec of 98. Neither of us have any other open credit, just 1 cc each, the auto loan and the personal loan.
Do you think it's worth the trouble to dispute the old BK to try to get it to come off early? I've seen some threads on here discussing CRAs taking BKs off before the 7-10 years.
Thanks for all the help. Looks like we have a longer road ahead of us than I thought.
Message Edited by Emileeza on
04-19-2008 05:04 PM
4/20/08 FICO TU 511 EQ 528 EX 587
6/03/08 FICO TU 585, EQ 575, EX 622
GOAL = 620+ across the board by end of 08