Okay. I couldn't resist. I think I'm a FICO addict now. I payed the 15.95 just to see the change. One of my CO accounts was finally updated as paid by TU and that increased my it to 13 points. WoW. So now I have a Midscore of 577
TU is now 577 from 565
EQ 605
EX 513
I'm excited to see more!!!!!
Hey there,
Don't forget to google MyFico Coupons... you can usually find a few out there that will save ya a few bucks on the pulls!
Great job with teh increase!
Bridget
Starting Score: 06/2010- EQ 464
sidewinder wrote:
UpUpUp wrote:So far for me TrueCredit has been unreliable. Not only are the scores FAKO, but they don't even go up and down to give me any indication of how something has affected my report. I had a 63 point increase on my TransUnion report and TrueCredit FAKO didn't budge at ALL! Not to mention the fact that I think they sold my information to a junk debt buyer. I am cancelling as soon as my month is up. I don't want to cancel now and get shut out when I already paid for the month.CRA do have "services" that can alert CAs of significant changes in one's report. This is why you should be prepared when your start repairing your credit. They will come out of the woodwork.
Yep, I have found this out the hardway and then did some research on their "triggering" services/alerts that they provide to collections agencies! Though I have been repairing for nearly a year and not until I signed up for TrueCredit have they come out of the woodwork. I doubt that is a coincidence. Especially since one of the junk debt CA gave me a "True reference #" to access my account with and pulled my TransUnion. 
In any case. I think I have paid all my legit past debts. There really weren't that many with exception of a some small medical collections that piled up from a few surgeries and a lot of confusion with insurance on what to pay and what not to pay. All paid now, and even scheduled to fall off in September. Woo hoo!! Oh and few sold collections that were paid BEFORE the debts were sold. I don't know how they get away with this crap! Grrr!
Message Edited by UpUpUp on 07-08-2008 07:26 PM
Tryin2rebuild08 wrote:Okay. I couldn't resist. I think I'm a FICO addict now. I payed the 15.95 just to see the change. One of my CO accounts was finally updated as paid by TU and that increased my it to 13 points. WoW. So now I have a Midscore of 577TU is now 577 from 565EQ 605EX 513I'm excited to see more!!!!!
Yes you do find yourself paying very close attention to your scores. Even though I recently had a few charges paid, I am also waiting to reports to relfect the charges that will fall off 07/08.
My TrueCredit report is a joke- it never updates and goes from extreme of really low to really how. Its always a 25-30 pt diffrence to MYFico scores.
Yes, since I became a member this online forum has been very addictive. However, I know since joining that I cant increase the numbers by continuously obtaining the reports or just watching it.
Good luck-you will see the increase numbers once you decrease your utility, continue to pay ontime.
PS Stay away from credit sprees-they hurt!
Ok all. I got any update from EQ. My EQ Fico is now 621. Macys removed the 2 dy lates from two years ago. I'm so excited. I think i'll take a break from checking TU and EX. The money is too much for now. I'll wait to August to check those.