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D.
I'm wanting to buy a house and after years of being credit free, I need to generate a score.
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.
 
					
				
		
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...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.
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.
 Current the only card that I have.
Current the only card that I have. 
 
					
				
		
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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!
 
					
				
		
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Equfax 2/22009 555
3/2/2009 562
3/12/2009 603
