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Where do I start?

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Anonymous
Not applicable

Where do I start?

I'm trying to get a good idea of how to start tracking my credit and bring it up. I have some student loans I'm paying off and I never missed a payment. Is that going to bring up my score?

Message 1 of 4
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Shogun
Moderator Emeritus

Re: Where do I start?

   Hello and welcome to the forums.

 

Start with pulling your FREE CR's from (ACR) annualcreditreport.com . they tend to have more info on them, then ones from a 3rd   party.   The CR's from ACR, come directly from each of the CRA's. You can pull 1 Free CR from TU,EQ and EX every 12 months.

 

  Save your money and Don't Buy the Scores, they are what we call FAKO's.

 


Now once you have all your reports, you will need to go through them looking for information.  What's good, what's bad.  What you need to do to clean up and what you need to do to build new.  If you have any questions, just post on here and we will be happy to help.

 

Answer to your question, yes, that will post as a positive TL.  Good Luck!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 4
Anonymous
Not applicable

Re: Where do I start?

Awesome thanks! I'll try to pull some reports and then ask questions after.

Message 3 of 4
sphinx313
Established Contributor

Re: Where do I start?

+1 on annualcreditreport.com Once you have all the information you need you can sign up here for an actual FICO EQ score and monitor your progress. It has practically consumed my life. Good luck to you.



Starting Score: EQ: 383 2/2011
Current Score: TU: 679 EQ: 684 EX: 678 4/2024
Goal Score: 700


Take the FICO Fitness Challenge
Message 4 of 4
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