I know that mt PLUS isnt FICO but man its sure hard to keep that in mind when the number doesnt budge but my others do!
I have Experian's Credit Check Premium to get my report and can run it every day. Its got the most work to be done on it. I've got 4 collection and a tax lien. Yet in the summary it shows Ive got only 1 old delinquent and the rest satisfactory. Where it explains my "score" it tells me I've got no public records yet there's 1 listed in the summary.
Does anyone else have this much inconsistency with Credit Check? Are are better ways to get EX reports frequently (monthly is good enough)? Their reports dont even list drop dates (maybe this only comes from the direct CRA reports?), creditor addresses or DOFD. I believe I pay 12.95 for this service.
FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
