homeontherange wrote:
These scores are FICO scores, Ex reporting 565 (husband). Transunion (me) reporting the 554. I got these scores from the free credit report site, and did not pay for all 3 agencies. I was afraid that this would blemish our credit even more. And wasn't sure if this was a good option. Yes, these were collections accounts. My husband has positive accounts. (mortgage that was just paid off, and a car) I have no accounts open. We have no revolving accounts, I was afraid to apply for any credit. I have 3 judgements I paid off in June. Negative items on my report are,credit cards collections (2),and student loan.
If you got these scores from annualcreditreport.com, then these scores are FAKO (fake) scores. The only exception would be via EQ, which is a true FICO score. The only place to get your EX FICO score is via this site. And no, pulling won't hurt you any. It produces a soft inquiry and those won't ever hurt you.
Whether paid or unpaid for a collection, the damage is the same to your scores, but you would look better via a manual review. You can work to get them removed via a GW letter to each of the CAs and to any charged-off acct you paid.
Ignore the scores you just pulled, unless you know one of those was from Equifax. Otherwise, pull each of the 3 via this site. You want to compare your score with the others mentioned in this site and selectively apply for CCs based on your score. Adding 2-3 CCs (1 should be a store charge card) will increase your scores by an additional 30-40 pts (conservative estimate).
