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Calling All Newbies! Calling All Newbies!

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Anonymous
Not applicable

Re: Calling All Newbies! Calling All Newbies!

D. 

 

I'm wanting to buy a house and after years of being credit free, I need to generate a score.

Message 31 of 70
truthfar
New Member

Re: Calling All Newbies! Calling All Newbies!

Hello everyone.  There reason I joined myfico forums is because I am looking to drastically change my credit score. I am  a recent college graduate and my credit score is horrible due to credit cards, collections, and charge off accounts. I am here to gain knowledge on how to increase my scores. All help is appreciated. I will post my actual numbers in a few days. From the looks of it I think this forum will help me out a lot.

Message 32 of 70
Anonymous
Not applicable

Re: Calling All Newbies! Calling All Newbies!

D

Message 33 of 70
Anonymous
Not applicable

Re: Calling All Newbies! Calling All Newbies!

D.

...and as far as Experian goes, I just got my score today through Discover card's Credit score watcher. It gave me an up to date Experian score and report.

Message 34 of 70
haulingthescoreup
Moderator Emerita

Re: Calling All Newbies! Calling All Newbies!


MzIndependent wrote:

D.

...and as far as Experian goes, I just got my score today through Discover card's Credit score watcher. It gave me an up to date Experian score and report.



But it's not your FICO EX score. It's a FAKO, sadly.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 35 of 70
KiaBec
Established Member

Re: Calling All Newbies! Calling All Newbies!

Hi newbie here.

My response is D and E
Current the only card that I have.
1/1/16: TU 630, EX 633, EQ 633.
As of 2/6/18
Message 36 of 70
Anonymous
Not applicable

Re: Calling All Newbies! Calling All Newbies!

D

 

 

Message 37 of 70
bryman21
Established Member

Re: Calling All Newbies! Calling All Newbies!

D & E

 

Had a tough year.    700 two years ago, 491 earlier this year, now 519 and climbing (if they ever update my accounts!)

 

My GMC SUV was totalled and now I find dealers wanting to not only charge me 20% interest, but also jack the sale price from advertised $17k to $20k becuase of my credit.  That's just wrong! 

 

This Forum has been awesome.  It has helped not only address this short term situation as quickly as possible, but also put a plan in place for long term credit health!  700 here I come!


Starting Score: 552
Current Score: 592
Goal Score: 660


Take the myFICO Fitness Challenge
Message 38 of 70
Anonymous
Not applicable

Re: Calling All Newbies! Calling All Newbies!

D

Equfax 2/22009 555

3/2/2009 562

3/12/2009 603

Message 39 of 70
Anonymous
Not applicable

Re: Calling All Newbies! Calling All Newbies!

D
Message 40 of 70
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