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molly73 wrote:
PenFed denied me 2 weeks ago.....but EQ reported a 40 point increase today....bringing my score to 623....should i reapply again?
i don't know why i got the 40 points....and I am having things disputed right now....do they base it only on FICO score....do they pull EQ.....and would I qualify?
I know my report is still going to show some late payments and charge offs....scared of getting denied again
Thanks again!
@Anonymous wrote:
myfico.com says the following about the 40 point increase
"Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:
* You have a public record or collection in addition to a serious delinquency on your credit report."
so, unless i am wrong....disputing items is not the cause of this point increase..right?
thanks guys!
@Anonymous wrote:
myfico.com says the following about the 40 point increase
"Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:
* You have a public record or collection in addition to a serious delinquency on your credit report."
so, unless i am wrong....disputing items is not the cause of this point increase..right?
thanks guys!
@Anonymous wrote:
i think the reason for the decline was because i was late for some accounts about 6 years ago...those have been closed. there are also those accounts i am disputing....that are making my account not look so good...so i don't blame them....i think i am better off just waiting to get those things cleared up before i apply anymore!
@Anonymous wrote:
i think the reason for the decline was because i was late for some accounts about 6 years ago...those have been closed. there are also those accounts i am disputing....that are making my account not look so good...so i don't blame them....i think i am better off just waiting to get those things cleared up before i apply anymore!
molly73 wrote:
hey smallfry -
if you mean did they send me a letter....i have not received one yet.