Ok- First off let me say "Hello!" as Im new to this borad.
Ive looked around and havent seen anything similar.
My equifax score on MYFICO from 5/12/07 was 632. The equifax from my truecredit pulling on 5/6/07 was 621... Does it vary from where i pull it? Some people tell me to use myfico... saying TC is BS.
My experian from TC was 643 and TU from TC was 650 both pulled on 5/12/07.
About a month ago I paid off my 2 credit cards. I used them a little again, not much, and paid them off this past friday.
I have a dell acct. balance of $1200. The limit used to be $1500, but last month they out of the blue upped it to $2000 without me asking or anything.
I have student loans of $3200.
Thats it. I know by paying off the bills is the best way to up my score, but can you offer any tips to make it go up alot more?
I would like to get my score to about a 750-800 more if possible... is it possible to do that by july or aug 2008... As I plan to trade in my piece of junk car and get a new vehicle... and when I do that I am going to be seeking out my own finance... which leads me to another ?- who do you recommend for this... I like capital one and eloan for the blank check thing... but I dont like capital one because their CSR's speak poor english, sound like a tape recording repeating, and are more focused on how I am, and how my day was... rather than what I called in for.... but since I have an acct with them maybe Id have a better chance for an auto loan with them?
Thank You in advance!
