@Anonymous wrote:Good afternoon all. This is my first post.
I am looking to purchase a car late December and would like to get my scores as high as possible before then.
Currently my situation is:
FICO 8 EQ 646 TU 629 EX 627
Cap One $0/$300 balance reported. A couple of old late payments How old and what are they? 30 60 90 120?
Bank of America $0/$1500 ($948 payment not reported yet)
NFCU $8030/$25,000 balance reported.Utilization is 34% but will be dropped in have by mid Nov. Get this below 28%. Closer to 8% even better.
A closed car loan in July with good payment history
I have a collection for $550 from Southwest Credit from a old Comcast bill. The colection is only a year old.
I was told that NFCU uses FICO 9 for auto loans. And that I should pay because FICO 9 does not penalize collections as long as they are paid? Correct.
Is this correct? Or Should I just leave it there and take my chances. Any advice would be greatly appreciated.
What are you FICO 8 scores. You can get them at credit check total and cancel before the week trial ends. I know NFCU pulls 9 but seeing 8's help some.
A poster in the rebuild section with Comcast was asking about the CA. I always say go to the source first. Call Comcrap and offer to PIF and kindly ask if they would recall the debt from the CA. It was a med condition. But. It worked in their case the other day. Cant hurt to try. No company is going to turn down $$$$$. Good Luck!
Awesome! Congrats. Fingers crossed it all goes poof. And be a distant memory soon. Lets us know so it can help others. And if I forgot. Welcome to the forums!!!!!!!!!!!!!!!!
Since you paid Comcast directly, dispute the CA. "I owe Comcast Nothing"
