Adding an installment loan -- the Share Secure technique

[newhis]

I opened the loan last month. I'm waiting for it to report.

I have limited access to credit tools. No CK, no CCT. The only tool I have access is creditcom, TU FICO via Discover and EX FICO via Amex.

I don't see a way to check older scores with creditcom, I only have the information before the loan. The site will update the information on December 17th. Around the same day I should have TU FICO dated 12/17 and Amex just reported FICO 12/3 but it didn't change, they may report again this month.

@CreditGuyInDixie, will it help to report any specific information that creditcom provides, besides the score before/after?

[Anonymous]

When you say Creditcom, you mean Credit.com -- right?  (Credit dot com.)

You don't have to report any of your scores to us.  The folks here will just be happy for you if it seems to work out for you in whatever way you like.

If, however, it is important to you to really assess the exact improvement you got, I'd just use the $1 free trial at CCT.  Use it now, get your 3B report and scores, cancel.  Then three weeks from now, do it again.  You can private-message Brutal Body Shots and he'll explain further if you need help doing that.

It sounds like you may be aiming to for a cost-free or ultralow cost to monitoring your credit.  That's my choice as well, since I am so stingy with money.

If so, I really encourage you to avail yourself of all the free tools out there.  If I were you I would sign up immediately for Credit Karma, which is an amazing resource for getting your TU and EQ reports as often as once a week.  This is crucial when you are trying to assess week by week whether a certain account has appeared yet at the bureaus, or whether existing creditors have updated your CC balances. 

Credit.com is a nice complement to CK.  This way you'll have access to all three Vantage scores.

You should also sign up with Experian.com to get your free credit report with them.  The EX service sends you a free report once per month.  This, plus Credit Karma, will get you access to all credit reports at least monthly.

PS.  I am guessing that your Alliant account will begin appearing on at least one bureau either today or tomorrow, and that all three bureaus will have it by the end of the week.  Therefore you may be too late to do the "before and after" approach with CCT,  But I am confident that you will in general be in in much better shape than you were before.

[newhis]

Yes, credit dot com.

I can't get an account with Experian.com, CCT or CK.  I don't have a SSN. I have a dependent visa and work is not allowed.

[Anonymous]

Ahhhhh.... I see.  Well, the vast amount of evidence thus far (reported on this thread and also throughout 2015) is that the SSL technique will give you a very solid boost.  Regardless of what tools you use, you can be confident that you will benefit. 

[Bigshrimp]

CGID, Just to let you know where im at in the process...I finally got my 2 forms of ID fax in today, so maybe in the next few days will have membership and account open...

Not sure if one of my ealier post slip throught the cracks but what kind of game plan did you have in mind so I can ensure profile is set up to gather data points for the Fico 9 scoring...The Baddies fell off of TU so all three scores are right at or above 800(fico9). Or what other info you may need from me to get started?

[Anonymous]

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@Bigshrimp wrote:

Not sure if one of my ealier post slip throught the cracks but what kind of game plan did you have in mind so I can ensure profile is set up to gather data points for the Fico 9 scoring...The Baddies fell off of TU so all three scores are right at or above 800(fico9). Or what other info you may need from me to get started?

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Thanks so much for circling back with me on this, pal!  Some questions:

What kind of credit monitoring package do you have with myFICO?  The $30/month package gives you your report and scores every 90 days.  The $40/month package gives them to you every 30 days.

If you are on the more limited $30 package currently, would you be willing to upgrade to the $40 package while you are testing?

When did you last get your 3B report from myFICO.  Date?

My understanding is that you are currently on Step 1 of the guidance -- you are just opening up the initial savings account.  You have not, however, applied for the loan yet.  Is that right?  (I am hoping the answer is that you are in Step 1.)

Do you have your credit profile the way you want it prior to testing yet?  E.g. one card with a $20 balance, all other cards reporting $0, all baddies gone, etc.  Have you confirmed this with a separate tool like credit Karma?  Karma is nice to use while you are making changes to your profile because you can pull your data as often as once a week.

[Anonymous]

I just wanted to say..the Alliant SSL has had the most singular impact on my credit score ever .Period! And it was and still is so easy to follow the original instructions in this thread.We tend to over think things...but Revalate and Credit guy have already laid the groundwork...I gained almost 40 pts across the board... now after July 2016 when I applied for my SSL...I am at Ex 806 Tu 828 and Eq 830. I have NOT applied for any new accounts since doing the SSL ...thanks all ...just so glad I found out about.Alliant...!!! This is the only way to go!

[Anonymous]

Thanks SAE.  You're the best.

[Bigshrimp]

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@Anonymous wrote:

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@Bigshrimp wrote:

Not sure if one of my ealier post slip throught the cracks but what kind of game plan did you have in mind so I can ensure profile is set up to gather data points for the Fico 9 scoring...The Baddies fell off of TU so all three scores are right at or above 800(fico9). Or what other info you may need from me to get started?

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Thanks so much for circling back with me on this, pal!  Some questions:

What kind of credit monitoring package do you have with myFICO?  The $30/month package gives you your report and scores every 90 days.  The $40/month package gives them to you every 30 days.

If you are on the more limited $30 package currently, would you be willing to upgrade to the $40 package while you are testing?

When did you last get your 3B report from myFICO.  Date?

My understanding is that you are currently on Step 1 of the guidance -- you are just opening up the initial savings account.  You have not, however, applied for the loan yet.  Is that right?  (I am hoping the answer is that you are in Step 1.)

Do you have your credit profile the way you want it prior to testing yet?  E.g. one card with a $20 balance, all other cards reporting $0, all baddies gone, etc.  Have you confirmed this with a separate tool like credit Karma?  Karma is nice to use while you are making changes to your profile because you can pull your data as often as once a week.

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Yes, Currently still on step 1.

Yes I do currently have the $30 plan...I would be willing to upgrade to the $40 monthly plan.. My next schedule 3B report is the 21st, but was going to wait until last card reports around the 21st-23rd, then pull..  At this time I should have 3 cards at 0, and one reporting about $20 and should have reports where I need them to start...

My last full 3B pull was in Sept 21st, I did pull 1B on EQ last month and 1B on TU over this past weekend...

I do have CK as well, so was nice to see a 45 point jump this past week when baddies fell off...Thats was a long 7 years,,,Still have 1 PIF medical on reports but for fico 9 and VS3 scoring not an issue...

Other notes for possible timing calculations..My oldest account, although close, will age to 11 years in Jan..Also credit cards #2 and #3 turn 2 years old in March and if I did my math right AAoA is currently 43 months, so in Jan with new account will put me at 36 months so looks like it would not drop below the 3 year mark...

[Anonymous]

On what day in January will your oldest account turn 11?