I just don't get it....

[Anonymous]

I have been reading this forum for a few months.  Mostly as a lurker.  What I don't understand is while I am struggling to hit the 650 mark others whose reports sound worse than mine get scores in the 700's.  My only derog is a 4 y/o bankruptcy, one collection from 3 years ago that is paid. And a mortgage forclosure that went with the Bk.  Otherwise and for the last few years, no lates, paid off all cards two months ago so now only have balances on two.  Car loan and new mortgage in good standing.  I almost wish I had more bad things so that I dispute them and maybe get them dropped off to raise my score.  I guess I have to wait and let them age.  That is my only idea at this point.

Message Edited by creditcrazy on 03-03-2008 05:05 PM

[Anonymous]

Me neither!

[fused]

Hi creditcrazy!

Welcome to the FICO Forums! I noticed you seem to be having some trouble posting. It is possible to edit your own post if you have posted an incomplete message. To edit your post, go to the post. To the right you'll see "Options." Click on "Options" and select "Edit Message" from the drop-down menu. If you have accidentally posted a duplicate message, you can use the “Report Abuse to a Moderator” link to asking the moderation team to remove one for you. To find this link, go to the duplicate post, click on "Options," then select "Report Abuse to a Moderator" from the drop-down menu. If you need any help with anything, let me know. Thanks for your contribution to the FICO Forums!

--fused

[Anonymous]

---

@Anonymous wrote:

---

Try thinking outside the box.

[Anonymous]

Bunch of smarta$$es around here, I tell ya. LOL.

[Anonymous]

Sorry I always press enter after I put in the title.  Then it submits it.

[Anonymous]

---

creditcrazy wrote:

Sorry I always press enter after I put in the title.  Then it submits it.

---

Oh, that happens to you, too???

[Anonymous]

But seriously-

That seems to apply to me, as well. Not really anything terrible, no BK, no forclosures or repos - and yet, like you - clawed my way to 620's. I have two mortgages in good standing.

However, if I paid off all my cc's today, I think my score would greatly increase. Could that be the case with you?

Message Edited by TexMontana on 03-03-2008 05:10 PM

[Junejer]

---

@Anonymous wrote:

I have been reading this forum for a few months.  Mostly as a lurker.  What I don't understand is while I am struggling to hit the 650 mark others whose reports sound worse than mine get scores in the 700's.  My only derog is a 4 y/o bankruptcy, one collection from 3 years ago that is paid. And a mortgage forclosure that went with the Bk.  Otherwise and for the last few years, no lates, paid off all cards two months ago so now only have balances on two.  Car loan and new mortgage in good standing.  I almost wish I had more bad things so that I dispute them and maybe get them dropped off to raise my score.  I guess I have to wait and let them age.  That is my only idea at this point.

Message Edited by creditcrazy on 03-03-2008 05:05 PM

---

What else do you have in your reports? Good credit mix? Few if any CFLs? Nice long history (over 12 years)?