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When was the last time you got a full 3B report from myFICO Ultimate (with roughly two dozen FICO scores)?
I have only one 3B report from 11/21 when I started the account.
Looks like you edited your last post to answer both my questions. The $40 subscription gets you the full 3B report every 30 days. So add 30 days to the date you last got your report and that is when you will get the next one (which will include your mortgage scores).
As other commenters have mentioned you can purchase an additional 3B report for $60 which will be based on whatever data is in your reports at the moment you buy it.
https://www1.myfico.com/products/fico-scores-one-time-credit-reports
I was unemployed for a long time and unemployment gave me the run around, since I got back to work full time I have been working on repaired the damage. I sent pay fro delete letters to each of the collections I paid off and no one would accept them. Maybe I should have sent a second one
@Anonymous wrote:I was unemployed for a long time and unemployment gave me the run around, since I got back to work full time I have been working on repaired the damage. I sent pay fro delete letters to each of the collections I paid off and no one would accept them. Maybe I should have sent a second one
Welcome @Anonymous! Absolutley you can send the PFD letters multiple times. I have seen many people, including myself get collections that were paid deleted after multiple attempts. My theory is the worst that can happen is they keep saying no. But that one time, you may just get the right person willing to help you out. It is worth it for the help it does for your credit.
On your scores, all may not be lost just yet until you get the updated Ficos and see what they are. Then you can better evaluate from there.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
@Anonymous wrote:From Credit Wise on my Cap1 card. I have MYFico but it has not updated yet, also credit Karma
Others have already commented on this, but your CW and CK scores are meaningless. Unless you FICO scores dropped 81 points, I wouldn't be concerned.