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Regular Contributor


Ok, I am truly confused!! I want to see my REAL Fico scores.. Where do I go to purchase these???  How much should they cost?


Also, looking to dispute some neg items on my credit report.. Should I call the company directly to negotiate?? Or should I send a dispute letter stating specific terms so that they will delete?? Or just dispute online or by mail?  I have lates.  Some are once, and some are consistent as in 120+ days.  HELP!!!!!

Message 1 of 3
Moderator Emeritus

Re: Confused!

You can get your FICO EQ here and one version of your TU score.  Can't get Ex anymore unless you belong to a certain CU in Pennsylvania.  Always try and deal with the OC directly before doing disputes with the CRAs.  Causes less problems that way.

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 3
Moderator Emeritus

Re: Confused!

Right - pull your FICO scores here.  They come with very helpful tools and reports specific to your credit report that will help you tremendously in your rebuilding.


Disputes are helpful if something inaccurate is on your credit report.  Never dispute accurate information on your CR's.   We don't advocate doing so as it violates our Credit Repair Discussion Guidelines, Terms of Service, and User Guidelines that prohibit the promotion of certain types of credit repair.  


Negative items can be handled by PFD and GW letters - there's lots of great examples on this rebuilding your credit board.  And folks will chime in with advice if you post the specific information.  You'll get lots of helpful feedback here from a lot of knowledgeable folks.


Hope that helps!

Just puttin' syrup on something, don't make it pancakes.
Message 3 of 3