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advice on rebuilding my credit

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Anonymous
Not applicable

Re: advice on rebuilding my credit

thanks i am very surprised at how much just one of my scores has gone up 

 

https://imgur.com/K2mRtgp

Message 31 of 42
FireMedic1
Community Leader
Mega Contributor

Re: advice on rebuilding my credit

Now you see why Vantage/EQ's Score doesnt mean much at all. FICO is what they all go by. Vantge sites like credit karma are great for watching for any funny business and make sure everything is updating correctly.

So now you see.

EQ FICO4 646- FICO 8 654 +8pts

TU Vantage 561- FICO 8 599 +38pts

EX 756-756 Both FICO 8

Big difference.


Message 32 of 42
Anonymous
Not applicable

Re: advice on rebuilding my credit

i have never used credit karma so i wouldnt know about it

Message 33 of 42
Anonymous
Not applicable

Re: advice on rebuilding my credit

well this makes me happy 

 

https://imgur.com/dMNTFtA

Message 34 of 42
OmarGB9
Community Leader
Super Contributor

Re: advice on rebuilding my credit

Very nice progress!

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 35 of 42
Anonymous
Not applicable

Re: advice on rebuilding my credit

is there any services that report my bill payments to the different credit reporting to show that i make ontime payments as well as help my score?

Message 36 of 42
OmarGB9
Community Leader
Super Contributor

Re: advice on rebuilding my credit

Congrats on the score increase! Hope it continues going up from there. Smiley Happy

As for your question, you can try Experian Boost, which will link your bank account to EX and search your transactions for utilities and cell phone payments and possibly give you some points. But as far as I know that's all that's out there at the moment; EQ and TU don't offer something like that.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 37 of 42
Anonymous
Not applicable

Re: advice on rebuilding my credit

i have tried the boost thing but it never finds my internet bill from comcast and a few others and the ones it does find it ends up removing them later cause it says there has been no further payments made or something like that

Message 38 of 42
OmarGB9
Community Leader
Super Contributor

Re: advice on rebuilding my credit

Dang well, that's rough. I'm not sure there's any other services like that.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 39 of 42
Anonymous
Not applicable

Re: advice on rebuilding my credit

so my scores have gone up again https://imgur.com/7eftl6T and my federal student loans show up as paid, closed what does this mean?

Message 40 of 42
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